Submitted a claim can be a stressful time but that’s why we’re here to help.
First, if everyone is okay, you should document the damage. Write down what happened including the time of day and date. Take photos and videos if you can and get a copy of the police report if there is one.
Second, submit the claim. You can do this at any time through our mobile phone app or online web portal. You can also give us a call. Or, you can submit the claim directly through your insurance company (the phone number can be found on your policy documents or their website).
Third, if you need to leave your home thanks to the damage, keep all your receipts. Your Ontario condo insurance includes additional living expenses, so if the claim is covered you can get some help covering expenses.
Fourth, make a complete list of everything that was damaged, destroyed or stolen. It helps if you have a home inventory list or video already made.
Fifth, you’ll talk to a claims adjuster. They investigate the claim and will interview you.
Sixth, you’ll be offered a settlement. You should discuss the offer with your broker. You’ll also want to ask if you can use your own contractors (if you prefer).
Finally, your claim will be closed when you accept the settlement amount or repairs are completed. You’ll usually receive payment by cheque.
As your broker, we’re here to help you through this process including answering your questions and advocating on your behalf.