Procedure on how to manage a claim - Home Insurance

Have a claim to start ? Here's a how-to guide that will ensure your claim goes smoothly from start to finish :

1. Secure Your Property: Ensure the safety of the occupants and limit the damage. Contact emergency services if necessary.

 

2. Report Your Claim: Inform your insurance broker or insurer via their website, by phone, or by email as soon as possible.

 

3. Prepare Your File: Provide supporting documents (inventory of losses, photos, estimates) and, in case of theft, the police report. Wait for confirmation from your claims adjuster before starting any permanent repairs.

 

4. Identify the Cause and Estimate Your Damages: A claims adjuster will be appointed to determine the cause and assess the damage on-site. However, this may sometimes be done remotely, so make sure to provide the requested information.

 

5. Settlement Offer: Once the claims adjuster has all the information related to your loss, they can proceed with calculating the settlement offer, taking into account your deductible, coverages, limitations, and exclusions stipulated in your contract. Make sure to review your contract to validate the offer proposed by the insurer before accepting the settlement. You can also consult your insurance broker if you are not satisfied with the handling or settlement of your claim.

 

6. Handling Repairs: In some cases, the insurer may refer you to one of their trusted partners, but you can always choose to have the work done by providers of your choice. In this case, keep your receipts and ensure the provider’s expertise.

 

7. Closing Your File: Once the repairs are completed, the contractor may ask you to sign a document confirming that you are satisfied with the work done. If the work does not meet your expectations, do not sign this document. Archive all documentation related to your claim in case of future recourse.

By following all of these steps, you will facilitate the processing of your claim and enjoy a speedier compensation!

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