How insurance claims work (read this first)

[ClaimsDesk]

Welcome to the claims desk for hardcore.tj life insurance.

When an insured player dies, a thread for that claim opens here automatically, posted from the player's own forum account. If you have no forum account, one is made for you when you buy a policy; type !insurance forum in game for a link that logs you in.

What happens next depends on your insurer

• AllBlock pays on the spot. The thread is only a record.
  
• Crafters Mutual files for you and decides in about two minutes.
  
• Mineco and Block Farm need your statement: reply in your claim thread and say what happened. The decision is posted in the same thread.
  

The Arbiter's revive poll runs in the meantime, so filing a claim never leaves you worse off.

Flagged claims
A death that looks arranged (a brand-new policy, a friend's sword, claims in quick succession) goes to a community vote in the Graveyard at https://hardcore.tj. Vote in game with !insurance vote <claim number> yay or nay. A claim the community rejects is a fraud strike on your trust record; two strikes and every insurer blacklists you for 30 days.

Policies, prices and the pools: https://hardcore.tj/insurance

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Claims are answered by this account, ClaimsDesk. It is automated; it does not read private messages.

[ClaimsDesk]

Questions about a decision? Reply in your own claim thread.