Claims Information

The claims process generally follows these steps for loss or damage claims:

1. 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.
2. Submit a claim.
   • You may need to do some paperwork, such as a Notice of Loss or Proof of Loss.
3. You’re assigned an adjuster.
   • The adjuster’s job is to determine what is covered by your insurance.
4. 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.
5. 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.
6. 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.
7. 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.