We’re here to help with your claims experience.
How to Submit an Insurance Claim
You can submit an insurance claim in two ways:
- Contact your insurance broker.
- Contact your insurance company directly.
Claims Contact Information for Insurance Companies
Here are the claims contact information for insurance companies. You can also find this information on your policy documents. If you don’t see your insurer listed, please contact your broker.
Should I Submit a Claim?
If you’re not sure if you should submit a claim or have any questions relating to your coverage or insurance claims, please contact your broker. They’re there to help you understand your coverage and the claims process.
The Claims Process
The claims process generally follows these steps for loss or damage claims:
- The incident occurs.
- Document the event as best you can, including photos, video, and writing down the details of what happened (include date, time, weather conditions, a description of what happened, witness details, and anything else that is relevant).
- If police are involved, ensure you get a copy of the police report.
- Submit a claim.
- You may need to do some paperwork, such as a Notice of Loss or Proof of Loss.
- You’re assigned an adjuster.
- The adjuster’s job is to determine what is covered by your insurance.
- The loss is evaluated.
- The adjuster will likely meet with you.
- An expert may be called in to appraise or advise on the loss.
- You may need to complete more paperwork at this step.
- Repairs or replacement of the loss.
- Your insurer will likely supply a list of trusted vendors to take care of repairs or rebuilding.
- You will be issued a cheque for a total loss. The amount will depend on your insurance policy loss settlement option.
- The repairs, rebuilding or replacement is completed. Additional living expenses and all other eligible payouts under the policy should be settled. All paperwork should be completed.
- The claim is closed.
This is a very simplified version of the claims process. It can also change depending on the claim and type of insurance policy the claim is being filed under. For example, a liability claim (which helps protect you when you are sued) is very different to a car accident claim.
How Long Does It Take for The Claims Process?
The length of time for a claim to be settled depends on:
- The type and extent of damage, injury or lawsuit
- The volume of claims (I.e. if there is a flood)
- Your insurance company and adjuster
- The vendors taking care of repairs or replacement
- The legal system and legal representation
- The health care system
- and so much more …
We understand that the claims process can be frustrating. Unfortunately, it can take time to resolve claims. Your broker is here to advocate on your behalf as well as help you through the process.