Making a home insurance claim

Tips to limit the damage

Did you know that water damage is one of the leading causes of home insurance claims? With that in mind, we've prepared these tips to help you minimize the damage!

• For a broken pipe, shut off the main water valve and call a plumber, if necessary. Note that the costs of parts and labour are not covered under your policy.
• You need to keep the damaged parts for your claim.
• You want to protect your belongings and furniture. Lift them up off the floor or away from wet areas. This will also help you see the extent of the damage.
• Call a cleaning specialist to handle any needed emergency cleanup. These expenses are reimbursed if the water damage is covered.

Filing a claim step by step

• Report

  After you've mopped up the mess and secured your belongings, take a breather. Then, call us at 1 855 747-7711, day or night. We’ll walk you through the next steps.

  Good to know! Make sure you have the insurance policy number when you call us. You can find this number on your contract, and you can find your contract online in the Client Centre.

• Damage appraisal and claim assessment

  A claims adjuster will then review your claim. If work needs to be done to repair your home, we will recommend a reliable contractor.

  You can give us a list of your damaged property by filling out a damage statement online in the Client Centre.

• Your settlement in clear terms

  Based on your coverage, we determine the exact amount of your settlement. Your claims adjuster will explain the settlement details and the applicable deductible.

• Time for repairs

  Once the amounts covered are clearly established, you can proceed with the repair or replacement of your damaged property.

• We keep you posted so you know what’s going on every step of the way.

  You don’t have to check your claim’s status every day. Rest assured that you’ll be notified about important decisions and information.

Filing a claim step by step

In a case of theft or vandalism, make no mistake, your safety comes first. Leave your home if you feel you may be in danger. Go to a friend's or neighbour's house, or head to a public place. Once you're safe, then follow these steps:

• Call the police

  Call 911 for immediate help and assistance. You’ll need the police report to process your insurance claim.

• Call us so we can take your statement and open a file

  Once things are in hand, call us at 1 855 747-7711, day or night. We’ll walk you through the next steps.

  Good to know! Make sure you have the insurance policy number when you call us. You can find this number on your contract, and you can find your contract online in the Client Centre.

• Damage appraisal and claim assessment

  A claims adjuster will then review your claim. If work needs to be done to repair your home, we will recommend a reliable contractor.

  You can give us a list of your stolen or damaged property by filling out a damage statement online in the Client Centre.

• Your settlement in clear terms

  Based on your coverage, we determine the exact amount of your settlement. Your claims adjuster will explain the settlement details and the applicable deductible.

• Time for repairs

  Once the amounts covered are clearly established, you can proceed with the repair or replacement of your damaged or stolen property.

• We keep you posted so you know what’s going on every step of the way.

  You don’t have to check your claim’s status every day. Rest assured that you’ll be notified about important decisions and information.

Filing a claim step by step

The most important thing is your safety. Is the fire put out properly? Did you inhale smoke? It’s better to take the situation too seriously than not seriously enough.

• Report

  Once the fire is out, call us at 1 855 747-7711, day or night. We’ll walk you through the next steps.

  Good to know! Make sure you have the insurance policy number when you call us. You can find this number on your contract, and you can find your contract online in the Client Centre.

• Damage appraisal and claim assessment

  A claims adjuster will then review your claim. If work needs to be done to repair your home, we will recommend a reliable contractor.

  You can give us a list of your damaged property by filling out a damage statement online in the Client Centre.

• Your settlement in clear terms

  Based on your coverage, we determine the exact amount of your settlement. Your claims adjuster will explain the settlement details and the applicable deductible.

• Time for repairs

  Once the amounts covered are clearly established, you can proceed with the repair or replacement of your damaged property.

• We keep you posted so you know what’s going on every step of the way.

  You don’t have to check your claim’s status every day. Rest assured that you’ll be notified about important decisions and information.

Filing a claim step by step

Some problems just seem to have a category of their own. What's your go-to move when lightning strikes the hot tub, your brother-in-law's dog scratches up the floors, or a friend takes a fall on your icy driveway? Fortunately, we're here to walk you through the steps to claim.

• Report

  Call us at any time of the day or night at 1 855 747-7711, we will walk you through the next steps

• Damage appraisal and claim assessment

  A claims adjuster will then review your claim. If work needs to be done to repair your home, we will recommend a reliable contractor.

  You can give us a list of your damaged property by filling out a damage statement online in the Client Centre.

• Your settlement in clear terms

  Based on your coverage, we determine the exact amount of your settlement. Your claims adjuster will explain the settlement details and the applicable deductible.

• Time for repairs

  Once the amounts covered are clearly established, you can proceed with the repair or replacement of your damaged property.

• We keep you posted so you know what’s going on every step of the way.

  You don’t have to check your claim’s status every day. Rest assured that you’ll be notified about important decisions and information.