fbpx

House insurance claims advice (plus what to expect)

The idea of making a home insurance claim can be daunting and overwhelming. Let’s take a quick look at some key pieces of house insurance claims advice to provide a clear picture of what you should expect along the way.

Safety first

The first thing to ensure in the event of an incident is to make sure that everyone is safe and sound, especially if the situation involves:

  1. Fire damage
  2. Water damage
  3. Property theft

Call the local authorities. It’s important to keep record of any documentation for (or provided by) the fire department, police, or other applicable authorities. That information could become useful for the claims department of your insurance company.

Claims counseling

When you contact your insurance broker or provider, it’s quite common for them to offer what’s called “claims counselling.”

This provides you with an opportunity to provide a bit of background of the situation, and the company can then provide an informed opinion on whether or not it’s in your best interest to file a claim.

This could save money for you in the long run, depending on the size of your deductible or levels of responsibility covering the home.

Your claim will be filed

Once you’ve made the decision to move forward with your claim it will be documented and you’ll be provided with a reference number for your claim.

During this process you may have to provide a complete record of the incident, including:

  1. Documentation of the damage related to your home
  2. Documentation of any damaged or missing items
  3. Police reports (if there are any)
  4. Previous claims you can remember

All of this paints a clearer picture for your insurance provider to understand what happened, exactly, and how much repairs or replacements could cost.

You’ll be assigned a claims representative

You’ll have a represented from your insurance company assigned to serve as the quarterback, dispensing house insurance claims advice for the rest of the process.

Depending on your claim situation, you may have to arrange to have assessors, estimators, adjusters or other agents meet with you. Your claims representative will help to arrange these meetings.

Your claim will be assessed

The concept of insurance is to restore you to the same position you were in prior to the occurrence of your claim. Assessments let your insurance provider figure out what that position was, and how much it will cost to get back to that point.

These expenses could include things like:

  1. Cleanup crews
  2. Retail purchases to replace contents
  3. Temporary living accommodations for you

That’s not an exhaustive list by any stretch, but it gives you an idea of what those expenses look like.

Work will be fulfilled and settled

Once the assessment is complete, credible contractors will be assigned to complete the required work. Insurance companies typically have a roster of reliable industry partners that can perform the repairs.

Insurance companies will usually stand behind their workmanship with guarantees of the quality, but always double-check you have that in writing ahead of time.

Going through the claims process can certainly be a stressful and emotional time for everyone involved. Follow this guide and things will get back to normal in no time.


Want to see the cost to rebuild your home, or just what competitive house insurance rates look like? Get a 3-minute quote right here.

The price you’re quoted is the price you pay.

Seriously, what else can you do in 3 minutes?

Boil half an egg?

You might like this stuff, too.

Car Insurance For Parked Vehicles

Car Insurance For Parked Vehicles

Everyone knows that car insurance is mandatory in Canada and that it is illegal to drive a vehicle that is not insured with the required minimum coverage. But what about a vehicle that is not driven regularly?  In this article, we will explore how car insurance for...

read more
Will Insurance Rates Go Up If Your Licence is Suspended?

Will Insurance Rates Go Up If Your Licence is Suspended?

The short answer is: Yes, your insurance premium will go up if your licence is suspended. While your licence is suspended, you won't be able to purchase auto insurance (in Ontario). After which, insurance providers will consider you a "high-risk driver" – a factor...

read more
Changing Car Insurance Companies Mid Policy

Changing Car Insurance Companies Mid Policy

Many Canadians understand that even if you’ve been with your current car insurance company for years, there are times when you just have to say goodbye and switch to another company. Sometimes, changing car insurance companies mid policy is due to a poor customer...

read more