Filing a home insurance claim

Water damage your home? We’re here to help.

Debating whether you should file a claim? If you want us to assess your situation, just give us a call and we can talk about it.

To file a claim
1 800 461-0770
24 hours a day, 7 days a week

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’ll need to keep the damaged parts for your claim.
  • You’ll 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 1 800 461-0770, 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 us 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.

Your home was burgled or vandalized? You can count on us.

Debating whether you should file a claim? If you want us to assess your situation, just give us a call and we can talk about it.

To file a claim
1 800 461-0770
24 hours a day, 7 days a week

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 1 800 461-0770, 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 us 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.

Fire or smoke in your home? We’re here for you.

Debating whether you should file a claim? If you want us to assess your situation, just give us a call and we can talk about it.

To file a claim
1 800 461-0770
24 hours a day, 7 days a week

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 1 800 461-0770, 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 us 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.

Other damage? We can help with that too.

Debating whether you should file a claim? If you want us to assess your situation, just give us a call and we can talk about it.

To file a claim
1 800 461-0770
24 hours a day, 7 days a week

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 1 800 461-0770, 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 us 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.

Psychological support after an accident or loss

After an accident, it’s normal to want to talk about it.

We offer free psychological support to all our insureds after an accident or loss. These overwhelming experiences can be profoundly traumatic and affect our mental health. Don't hesitate to ask for help if you need it.

More questions about claims? We’ve got more answers.

That depends on the situation. Here are two possibilities:

  • If the reimbursement is paid to you, the deductible will be taken from this payment.
  • If the reimbursement is paid to the contractor hired for repairs, you will pay the deductible to this contractor.

If you unintentionally cause material or physical damage to another person, you have a legal obligation to remedy the damage. This often represents substantial compensation amounts, which civil liability insurance protects you from having to assume.

This protection would also cover you if you had to defend yourself in court after being served a formal notice, alleging your civil liability. We would bear the expenses of your defence, including your lawyer’s fees and court costs.

Yes, if you wish to be paid based on the replacement value and if this coverage is included in your contract. However, you may choose to replace only certain items. The settlement for property that is not replaced is calculated by taking the replacement cost less depreciation, based on the service life of the item.

Experience has shown us that in the years following a loss, the likelihood of incurring another loss is greater. Which means the more home insurance claims you have on file, the more likely you are to make another claim, and the more likely your premium will increase.

Call us promptly and take photos of the damage!

We’ll check if you have the optional coverage required to cover your hot tub or pool. You’ll need to have the following information when you call:

  • The make, model and dimensions of the pool or hot tub
  • The purchase price, date and location
  • The bill of sale, if available
Client Centre

Your online account, everything you need at your fingertips.

Go to your Client Centre for everything you need in just a few clicks:

  • The damage statement to fill out
  • The claim adjuster's damage appraisal
  • the name and contact information of your claims adjuster
  • your claims history
  • your settlement amount
  • online claims feature for auto damage
HydroSolution discount

Save money, prevent water damage

When you purchase home, car or recreational vehicle insurance, you can take advantage of an exclusive discount at HydroSolution on the purchase or rental of a water heater.