Checklist - 5 Steps to Take When Water Damage Occurs

1 - Limit the damage

There are steps you can take right away to limit the extent of water damage. Here are just a few:

• Shut off the main water supply if there’s a leak or a burst pipe. If you’re a tenant, notify your landlord or superintendent right away before you do anything else.
• Switch off all ventilation systems.
• Mop up or drain the water if possible and safe to do so.
• Move furniture and other undamaged items to a dry place or try to elevate them.
• Keep all items that are damaged.
• If you have a dehumidifier, turn it on to dry out the wet area.
• Close off the area by shutting the door.

Important: If urgent repairs like plumbing are needed, keep your receipts and any parts that are replaced.

2 - Notify your insurance company

A claim will need to be opened. We can then collect all the information we need to assess the damage and provide assistance.

• Contact us immediately at 1-877-700-7778 to start the claims process. Our phone service is available 24 hours a day, 24 days a week.
• You can also start your claim online. A claims expert will contact you within 72 hours.
• If your home is no longer habitable, we will suggest relocation solutions. Depending on your insurance policy, you may be reimbursed for your accommodation and meal expenses.

Don't forget to take photos or videos of all property damage to document your claim.

3 - Speak with a claims expert

One of our claims experts will guide you through the claims process.

• They have the expertise to determine the cause of the damage, provide an estimate and negotiate the settlement based on the terms of your insurance policy.
• The claims expert will explain your coverage and will confirm whether or not your claim is admissible under your home insurance policy. They will also review the next steps with you.
• Your will need to document your claim: make a list of damaged items and provide detailed proof (receipts, photos, videos).

4 - Have the repairs done

The claims expert will suggest three repair options:

• You can do the repairs yourself.
• iA Auto and Home can recommend trusted partners known for their expertise and professionalism.
• You can choose a contractor to do the repairs.

5 - Pay for the repairs

We're with you every step of the way, from the start of the claims process right through to payment for repair work.

And remember, the insured will have to pay the deductible, which will be subtracted from the total claim refund.

Dealing with water damage is never easy. By following these steps, you'll be better prepared to handle the aftermath. Remember that our home insurance experts are with you every step of the way. We'll make sure things get back to normal as quickly as possible so you can enjoy the comfort of your home once more.