Insurance - What to do in the event of a disaster?

If you suffer a catastrophe such as a car accident, a flood, a fire or theft, it is easy to get overwhelmed and unsure of who to call and what to do.

You are not alone.

As your insurance broker, we are here to help you get through these situations. We understand what you are going through, so call us.

We will go through the steps required to file a claim with you. Then we will direct you to your adjuster.

No matter the type of claim, remember one very important thing: it is your claim!


Filing a claim: follow the steps!

Follow each intervention step closely to settle the claim.
Keep all your receipts and ask for a copy of all signed documents throughout the claim process.

  • Car insurance

Have the information linked to the circumstances and location of the accident on hand. Keep a copy of your mutually agreed accident report, police report or event number. Write down the names of witnesses and third parties.

  • Property insurance

Make sure you have the information related to the disaster on hand: the full inventory of the damaged property and contact details of third parties involved.
Take pictures of the disaster site (building and property) at the time of the disaster, but also during and after the settlement.
Protect undamaged property and do not throw away damaged property before the adjuster could acknowledge the damages and grant permission.

Limit the damage

Your adjuster is the master of ceremony, in charge of guiding you and helping you throughout the process. Do not hesitate to ask them questions.

A claim can be negotiated! Review the quotes and validate the amounts allocated before authorizing the work or accepting the settlement offer.

Are you struggling to understand? Are you going through a difficult situation? You can call us anytime. We can organize a meeting with all parties involved to resolve the issue.

Besides, since we may have worked on similar cases with our clients, we can communicate with the insurer to share our interpretation and point out facts which could support the admissibility of your claim. Always confirm your satisfaction of the work done before payments are made to the suppliers.

The claimant’s handbook

The chambre d’assurance de dommage recently published an extensive handbook for claimants. Follow this link to learn more:

We wish you never to encounter such unfortunate situation, but if it were to happen, contact us!