What to do in the event of a loss caused by the historic rainfall?

Due to the recent weather events, on August 9, we are experiencing an exceptionally high volume of calls. We are aware of this situation and understand that you would like to talk to someone right away. Our agents are working very hard to handle as many calls as possible and we have increased the number of employees taking calls.

You don’t need to call us if you already filed a claim. All claims that have been filed will be followed up.

We are making every effort to process these claims. In the meantime, please do what you can to limit the damage.

Given the high volume of claims and the capacity of our claims adjuster partners, it will take several days to get back to you. Our teams are going all out to respond as quickly as possible to the heightened demand.

Please take photos and/or videos of damage to your property and buildings and keep invoices and supporting documents for any expenses you incur.

Yes. A confirmation page will appear after you’ve completed the online form and pressed Send. You won't receive a confirmation number or email. Rest assured that your claim has been received and will be processed.

Your home insurance claim will be visible in the Client Centre after we open the claim in our systems. If you don’t see it in the meantime, that doesn’t mean we didn’t receive it. It will be processed as quickly as possible.

You should protect the building as much as possible and limit financial impacts incurred by the damage.

We recommend that you re-read your insurance contract to view your coverage and applicable limits to ensure that measures you take are consistent with your coverage.

Photos and/or videos are essential for reviewing a claim file. They allow us to correctly identify the damage. Feel free to take numerous photos and/or videos.

We also recommend that you take all means at your disposal to dry out the building and its contents. Be careful not to damage items that could be repaired or restored.

We recommend that you take photos and/or videos of damage to property and buildings and keep invoices and supporting documents for any expenses you incur.

Depending on your situation, there are also other measures you can take to limit the damage:

• Dry out the building and its contents.
• Rapidly drain or soak up as much water as possible.
• Wipe dry surfaces and dry fabrics.
• Use dehumidifiers in rooms that were affected and air them out with fans.
• Don’t overheat rooms to limit the risk of mould developing.
• Move furniture and other items into a dry area or raise off the ground.
• Put damaged property outside the building if it poses a health risk.

Regardless of the type of floor covering, you can remove the water-damaged section, taking care to minimize losses. You can get rid of materials but make sure to at least keep a sample of each material.

Photos and/or videos are essential for reviewing a claim file. They allow us to correctly identify the damage. Feel free to take numerous photos and/or videos.

You can also air out your home and dry out property with dehumidifiers.

Always keep in mind that the goal of emergency measures is to limit damage to the building and protect the premises.

If you have water damage to your walls, you may make the decision to remove baseboards, and cut and remove drywall behind the baseboards with a knife, taking care to minimize losses. You can get rid of materials but make sure to at least keep a sample of each material.

Photos and/or videos are essential for reviewing a claim file. They allow us to correctly identify the damage. Feel free to take numerous photos and/or videos.

You can also air out your home and dry out property with dehumidifiers.

Always keep in mind that the goal of emergency measures is to limit damage to the building and protect the premises.

Depending on the material, many types of property don’t absorb moisture and can be cleaned and disinfected by specialists. You can get rid of property that can’t be cleaned. Simply take a photo and/or video of it first.

If you wish, you can clean clothes and fabrics that have been water damaged. Keep your invoices if you use professionals to do this.

You can get rid of water-damaged materials that you’ve removed. Make sure to take a photo and/or video first and remember to at least keep a sample of each material.

Photos and/or videos are essential for reviewing a claim file. They allow us to correctly identify the damage. Feel free to take numerous photos and/or videos.

You can ask a construction contractor for a repair quote and send it to us with photos and/or videos.

The contractor you hire to do the repairs must have a licence from the Régie du bâtiment du Québec (RBQ).

If you want, you can do the repairs yourself.

Yes. You can stay with a family member or in a hotel. Make sure to keep the invoices for any expenses incurred (hotel, meals, etc.). They can be submitted for assessment by the claims adjuster who is looking after your file.

We recommend that you re-read your insurance contract to view your coverage and applicable limits. You’ll also be able to find out if your expenses are eligible for reimbursement or not.

If it's safe to do so, leave your car where it is. If you need to move it, call a towing company to tow it to a location of your choice and keep the invoice. The claims adjuster assigned to your file can provide specific guidance and confirm whether the expense will be reimbursed or not according to your coverage and applicable limits.

We recommend that you re-read your insurance contract to view your coverage. To receive a reimbursement for a rental car, you need to have endorsement Q.E.F. No. 20a, Travel costs. If you do have it, also check applicable limits for this coverage.