Home insurance claims
Has your home suffered significant damage? We know that this can be a very stressful situation. Contact us immediately! One of our experts will advise and guide you throughout your claim so that you can get back to normal as soon as possible!
24 hours a day, 7 days a week
What to do in case of an incident?
Contact the police
Has your home been vandalized or broken into? Prioritize your safety and the safety of your loved ones and call the police immediately.
Follow the advice of the police and, depending on the case, don't touch anything until the police arrive on site. Alternatively, if the police ask you to go to the station to report the theft, take pictures of the premises.
Opening and assessment of the claim file
Call us
Our priority is to open your file as quickly as possible!
To save time, make sure you have the following information before you call us:
- Your insurance policy number;
- The police report number, if applicable;
- Contact information of other people involved and witnesses, if applicable;
- The list of the items you are claiming.
When you call, we will collect all the information required to properly assess the damage, according to the coverage in your policy, and will guide you through the claims process.
The adjuster will also establish with you the replacement value of the damaged items. If necessary, a qualified professional will assess the damage and provide an estimate of the work to be done.
Will my stolen property be reimbursed?
Your damaged property will be reimbursed based on its value on the day of the loss or replacement value, depending on the coverage included in your policy.
My house is no longer habitable, what expenses can be reimbursed?
If your home is not habitable, we will offer you relocation options. Depending on the nature of the loss and your insurance policy, you may be reimbursed for expenses incurred for food and lodging outside your home.
Choice of repairer
To make your life easier, we will offer you to use the services of our partner cleaners and contractors for your work.
What are the benefits of choosing one of our partners for your work?
There are a number of benefits:
- They have extensive experience dealing with claims;
- We have confidence in their professionalism;
- The work will be carried out within a reasonable time;
- We will intervene if there are problems during the work.
My contractor is not in your network, can he do the work? Or can I decide to do the work myself?
You are always free to choose your contractor or to do the work yourself. However, you must wait for our authorization before starting the work because we must have received the damage assessment.
Payment
Our payment times are among the fastest on the market!
If the work was done by a partner in our network, we will make the payment upon completion of the work.
If you are dealing with a company that is not a member of our network, you will receive a cheque when the cost of the work has been determined. You will have to give it to the repairer when the work has been done.
The applicable deductible will be taken off the amount to be sent to you. Therefore, you will have to pay it to the contractor who does the work.
Your safety first!
If your residence has been damaged by smoke or fire, make your safety and the safety of your loved ones a priority. Please contact emergency services if necessary.
If you can, take steps to minimize the damage.
Opening and assessment of the claim file
ur priority is to open your file as quickly as possible!
We will collect all the information required to assess the damage and to provide you with the proper support, according to the coverage in your home insurance policy.
A qualified professional will then assess the damage and provide an estimate of the work to be done.
The adjuster will also establish with you the replacement value of the damaged items. We suggest that you make a list of the items you are claiming, as this will facilitate the processing of your file.
My house is no longer habitable, what expenses can be reimbursed?
If your home is not habitable, we will offer you relocation options. Depending on the nature of the loss and your insurance policy, you may be reimbursed for expenses incurred for food and lodging outside your home.
Choice of repairer
To make your life easier, we will offer you to use the services of our partner cleaners and contractors for your work.
What are the benefits of choosing one of our partners for your work?
There are a number of benefits:
- They have extensive experience dealing with claims;
- We have confidence in their professionalism;
- The work will be carried out within a reasonable time;
- We will intervene if there are problems during the work.
My contractor is not in your network, can he do the work? Or can I decide to do the work myself?
You are always free to choose your contractor or to do the work yourself. However, you must wait for our authorization before starting the work because we must have received the damage assessment.
Payment
Our payment times are among the fastest on the market!
If the work was done by a partner in our network, we will make the payment upon completion of the work.
If you are dealing with a company that is not a member of our network, you will receive a cheque when the cost of the work has been determined.
You will have to give it to the repairer when the work has been done.
The applicable deductible will be taken off the amount to be sent to you. Therefore, you will have to pay it to the contractor who does the work.
Right from the start, try to limit the damage
- Shut off the water supply if there is a leak or a broken pipe;
- Mop up water on the ground when possible and safe to do so;
- Protect your belongings to prevent further damage;
If urgent work needs to be done, keep your invoices. Some work may be covered depending on the coverage you have under your insurance policy.
Opening and assessment of the claim file
Our priority is to open your file as quickly as possible!
We will collect all the information required to properly assess the damage and guide you in the claims process.
A qualified professional then will assess the damage and provide an estimate of the work to be done, according to your coverage.
The adjuster will also establish with you the replacement value of the damaged items. We suggest that you make a list of the items you are claiming, as this will facilitate the processing of your file.
My house is no longer habitable, what expenses can be reimbursed?
If your home is not habitable, we will offer you relocation options. Depending on the nature of the loss and your insurance policy, you may be reimbursed for expenses incurred for food and lodging outside your home.
Am I covered for water damage if I am a tenant?
As a tenant, you could be responsible for any water damage you cause in your home, as well as to your neighbours. It is therefore important to have tenant's home insurance that will protect you in case of water damage.
Choice of repairer
To make your life easier, we will offer you to use the services of our partner cleaners and contractors for your work.
What are the benefits of choosing one of our partners for your work?
There are a number of benefits:
- They have extensive experience dealing with claims;
- We have confidence in their professionalism;
- The work will be carried out within a reasonable time;
- We (could intervene?) will intervene if there are problems during the work.
My contractor is not in your network, can he do the work? Or can I decide to do the work myself?
You are always free to choose your contractor or to do the work yourself. However, you must wait for our authorization before starting the work because we must have received the damage assessment.
Payment
Our payment times are among the fastest on the market!
If the work was done by a partner in our network, we will make the payment upon completion of the work.
If you are dealing with a company that is not a member of our network, you will receive a cheque when the cost of the work has been determined. You will have to give it to the repairer when the work has been done.
The applicable deductible will be taken off the amount to be sent to you. Therefore, you will have to pay it to the contractor who does the work.
Your safety first!
In the event of a loss caused by hail or major windstorm, make your safety and the safety of your loved ones a priority. Please contact the emergency services if necessary.
If you can, take steps to minimize the damage.
Opening and assessment of the claim file
We will collect all the information required to properly assess the damage and guide you in the claims process.
A qualified professional will then assess the damage and provide an estimate of the work to be done, according to your coverage.
The adjuster will also establish with you the replacement value of the damaged items. We suggest that you make a list of the items you are claiming, as this will facilitate the processing of your file.
My house is no longer habitable, what expenses can be reimbursed?
If your home is not habitable, we will offer you relocation options. Depending on the nature of the loss and your insurance policy, you may be reimbursed for expenses incurred for food and lodging outside your home.
Choice of repairer
To make your life easier, we will offer you to use the services of our partner cleaners and contractors for your work.
What are the benefits of choosing one of our partners for your work?
There are a number of benefits:
- They have extensive experience dealing with claims;
- We have confidence in their professionalism;
- The work will be carried out within a reasonable time;
- We will intervene if there are problems during the work.
My contractor is not in your network, can he do the work? Or can I decide to do the work myself?
You are always free to choose your contractor or to do the work yourself. However, you must wait for our authorization before starting the work because we must have received the damage assessment.
Payment
Our payment times are among the fastest on the market!
If the work was done by a partner in our network, we will make the payment upon completion of the work.
If you are dealing with a company that is not a member of our network, you will receive a cheque when the cost of the work has been determined. You will have to give it to the repairer when the work has been done.
The applicable deductible will be taken off the amount to be sent to you. Therefore, you will have to pay it to the contractor who does the work.
