Claims made easy
24/7 Claims Service
Included in your policy benefits, is access to our award-winning 24-hour emergency claims service. You can report your claim any time of the day or night directly to one of our friendly and professional representatives. No matter how complicated your situation you can be confident that your claims are being handled by the best in the business.Contact Us
How to report a claim
The first thing you should do is make sure everyone is safe and contact the appropriate authorities (ex. police or fire department). Once you are able to do this you should get as much information from all parties as possible and then contact us in a timely manner to report your claim.
You can file a claim in person at any of our 64 branches across the country or by calling your insurance representative. Claims can also be reported 24 hours a day, please Contact Us.
When you call our 24-hour toll free number to report a home claim and when you speak with a local claims adjuster it is beneficial to have the following information:
- Your policy number
- Your address, phone number, and date of birth
- Where, when, and how the home loss occurred
- If the police or fire department were notified
- Verbal description of the occurrence so the type of loss and fault can be assessed
- Identify if you have any urgent needs such as temporary accommodations
- Details about damage to your home or contents
- Details about lost or stolen property
- Who is involved in the loss
- Third party information and any injuries
- Whether or not any property continues to be at risk
Depending on your situation, additional information may be required and you may need to complete forms. If you have any questions about your forms, please contact a local claims adjuster for assistance.
What happens next
We aim to handle your claim as quickly as possible and will work with you to assess and repair the damage. See more on what to expect after you make your claim:
If you are injured, we will assign a trained accident benefit claims adjuster to contact you to discuss your claim. If you are entitled to benefits under the policy, the accident benefit claims adjuster will work with you, your health care provider and your employer to help you recover from your injuries and return to your normal daily life.
You will receive forms to be completed by you, your health care provider and your employer (if you are off work). It is important that these forms be completed and returned as soon as possible. Your accident benefits claims adjuster will follow up with you no later than 30 days after initial contact to ensure that you have received the forms and answer any questions you may have.
Not sure where to turn to for repairs?
We can help you find a reliable vendor for auto repairs after a claim.
3 great reasons to use a guaranteed repair facility:
- You'll get quick estimate approval and a trustworthy supplier
- You may only need one estimate
- We'll guarantee the work as long are you're insured with us
Ask your Service Specialist or Claims Adjuster for a referral today.
Completing your claim
After we’ve assessed your claim, we’ll issue a cheque. It may be issued to you or directly to the vendor. You may need to endorse a cheque at this stage.
Finally, upon your request, we can notify you when we’re about to close your file. We’ll also notify your broker.
Find answers to your most common questions about claims.
In the event of a loss, you will be asked to supply a list of your possessions and a record of their value. Original sales receipts for major items are the best way to show ownership and the cost of these items. Taking photos of your personal belongings in your home is also helpful and can speed up the time it takes to settle your claim. Service or maintenance records can also be helpful.
It is often difficult to remember all of the details of your personal belongings, therefore we suggest that you take a video or photograph your belongings and keep a detailed inventory list. This information should be kept in another location, such as a safe deposit box, to ensure it is available in the event of a loss.