Making a home insurance claim

Choose your type of claim

Water damage in your home? We’re here to help.

First and foremost, see to it that everyone is safe. After making sure no damaged property poses a hazard and your belongings are secure, submit your claim the way it’s most convenient for you.

Tips to limit the damage

Did you know that water damage is one of the leading causes of home insurance claims? With that in mind, we've prepared these tips to help you minimize the damage!

  • For a broken pipe, shut off the main water valve and call a plumber, if necessary. Note that the costs of parts and labour are not covered under your policy.
  • You need to keep the damaged parts for your claim.
  • You want to protect your belongings and furniture. Lift them up off the floor or away from wet areas. This will also help you see the extent of the damage.
  • Call a company specializing in emergency cleanup, if necessary. These expenses are reimbursed as long as the water damage is covered. 

 

Filing a claim: step by step

First, log in to your Client Centre account or open our app. Submitting a claim is simple and only takes a few minutes.

Log in Check out our app

You’d rather speak to someone?

Call us at 1 855 747-7711, 24 hours a day, 7 days a week. Be sure to have your insurance policy number in hand. We’ll open a claim and walk you through the next steps.

  • Reporting and filing a claim

    Make sure you have the insurance policy number when you call us. You can find this number on your contract or in your Client Centre account.

  • Damage appraisal and claim assessment

    A claims adjuster will then review your claim. If work needs to be done to repair your home, we will recommend a reliable contractor.

    You can give us a list of your damaged property by filling out a damage statement online in the Client Centre.

  • Your settlement in clear terms

    Based on your coverage, we determine the exact amount of your settlement. Your claims adjuster will explain the settlement details and the applicable deductible.

  • Time for repairs

    Once the amounts covered are clearly established, you can proceed with the repair or replacement of your damaged property.

  • Tracking your claim

    Log in to your Client Centre account or head over to the app to track your claim.

Your home was burgled or vandalized? You can count on us.

At times like these, your safety is our priority. Once the situation is under control, submit your claim the way it’s most convenient for you.

Filing a claim: step by step

First, log in to your Client Centre account or open our app. Submitting a claim is simple and only takes a few minutes.

Log in Check out our app

You’d rather speak to someone?

Call us at 1 855 747-7711, 24 hours a day, 7 days a week. Be sure to have your insurance policy number in hand. We’ll open a claim and walk you through the next steps.

  • Call the police

    Leave your home if you feel you may be in danger. Go to a friend's or neighbour's house, or other safe shelter.

    Once there, call 911. Please note that a copy of the police report will be required to process your insurance claim.

  • Submit your claim

    Make sure you have the insurance policy number when you call us. You can find this number on your contract or in your Client Centre account.

  • Damage appraisal and claim assessment

    A claims adjuster will then review your claim. If work needs to be done to repair your home, we will recommend a reliable contractor.

    You can give us a list of your stolen or damaged property by filling out a damage statement online in the Client Centre.

  • Your settlement in clear terms

    Based on your coverage, we determine the exact amount of your settlement. Your claims adjuster will explain the settlement details and the applicable deductible.

  • Time for repairs

    Once the amounts covered are clearly established, you can proceed with the repair or replacement of your damaged or stolen property.

  • Tracking your claim

    Log in to your Client Centre account or head over to the app to track your claim.

Fire or smoke in your home? We’re here for you.

Debating whether you should file a claim? If you want us to assess your situation, just give us a call and we can talk about it.

To file a claim
1 855 747-7711
24 hours a day, 7 days a week

Log in

Filing a claim step by step

The most important thing is your safety. Is the fire put out properly? Did you inhale smoke? It’s better to take the situation too seriously than not seriously enough.

  • Reporting and filing a claim

    Once the fire is out, call us at 1 855 747-7711, day or night. We’ll walk you through the next steps.

    Good to know! Make sure you have the insurance policy number when you call us. You can find this number on your contract, and you can find your contract online in the Client Centre.

  • Damage appraisal and claim assessment

    A claims adjuster will then review your claim. If work needs to be done to repair your home, we will recommend a reliable contractor.

    You can give us a list of your damaged property by filling out a damage statement online in the Client Centre.

  • Your settlement in clear terms

    Based on your coverage, we determine the exact amount of your settlement. Your claims adjuster will explain the settlement details and the applicable deductible.

  • Time for repairs

    Once the amounts covered are clearly established, you can proceed with the repair or replacement of your damaged property.

  • We keep you posted so you know what’s going on every step of the way.

    You don’t have to check your claim’s status every day. Rest assured that you’ll be notified about important decisions and information.

Other damage? We can help with that too.

Some problems don’t seem to fall under one specific category. Regardless of your situation, you can submit your claim the way it’s most convenient for you.

Filing a claim: step by step

First, log in to your Client Centre account or open our app. Submitting a claim is simple and only takes a few minutes.

Log in Check out our app

You’d rather speak to someone?

Call us at 1 855 747-7711, 24 hours a day, 7 days a week. Be sure to have your insurance policy number in hand. We’ll open a claim and walk you through the next steps.

  • Reporting and filing a claim

    Make sure you have the insurance policy number when you call us. You can find this number on your contract or in your Client Centre account.

  • Damage appraisal and claim assessment

    A claims adjuster will then review your claim. If work needs to be done to repair your home, we will recommend a reliable contractor.

    You can give us a list of your damaged property by filling out a damage statement online in the Client Centre.

  • Your settlement in clear terms

    Based on your coverage, we determine the exact amount of your settlement. Your claims adjuster will explain the settlement details and the applicable deductible.

  • Time for repairs

    Once the amounts covered are clearly established, you can proceed with the repair or replacement of your damaged property.

  • Tracking your claim

    Log in to your Client Centre account or head over to the app to track your claim.

Psychological support after an accident or loss
After an accident, it’s normal to want to talk about it.

We offer free psychological support to all our insureds after an accident or loss. These overwhelming experiences can be profoundly traumatic and affect our mental health. Don't hesitate to ask for help if you need it.

Learn more about this service

More questions about claims? We’ve got more answers.

That depends on the situation. Here are two possibilities:

  • If the reimbursement is paid to you, the deductible will be taken from this payment.
  • If not, you have to pay the deductible to the contractor hired for repairs.

If you unintentionally cause material or physical damage to another person, you have a legal obligation to remedy the damage. This often represents substantial compensation amounts, which civil liability insurance protects you from having to assume.

This protection would also cover you if you had to defend yourself in court after being served a formal notice, alleging your civil liability. We would bear the expenses of your defence, including your lawyer’s fees and court costs.

Yes, if you wish to be paid based on the replacement value and if this coverage is included in your contract. However, you may choose to replace only certain items. The settlement for property that is not replaced is calculated by taking the replacement cost less depreciation, based on the service life of the item.

Experience has shown us that in the years following a loss, the likelihood of incurring another loss is greater. Which means the more home insurance claims you have on file, the more likely you are to make another claim, and the more likely your premium will increase.

Call us promptly and take photos of the damage!

We’ll check if you have the optional coverage required to cover your hot tub or pool. You’ll need to have the following information when you call:

  • make, model and dimensions of the pool or hot tub
  • purchase price, date and location
  • bill of sale, if available

Your online account, everything you need at your fingertips.

Catégorie : Client Centre

Go to your Client Centre for everything you need in just a few clicks:

  • the damage statement to fill out
  • the claim adjuster's damage appraisal
  • the name and contact information of your claims adjuster
  • your claims history
  • your settlement amount
  • submit home and car claims online

Save money, prevent water damage

Catégorie : HydroSolution discount

When you purchase home, car or recreational vehicle insurance, you can take advantage of an exclusive discount at HydroSolution on the purchase or rental of a water heater.

How do I get the discount?

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