Fire or smoke - Home
To file a claim
1 800 461-0770
24 hours a day, 7 days a week
Has fire or smoke damaged your home?
Feel free to contact us, even if you’re not sure whether you need to file a claim. We’ll help you take stock of the situation, tell you what you need to know and support you through every step of the claim process.
Steps involved in settling a fire claim
Contact us as soon as possible with your insurance policy number on hand. We’ll open a file and walk you through how things work and the documents you need to submit.
Provide us with a list of your damaged property using a damage statement.
Fill out your damage statement in the Client Centre
Damage appraisal and claim assessment
We will recommend an authorized contractor to assess the damage and provide a detailed cost estimate. Your claims adjuster will then review your claim.
Consult the damage estimate in Client Centre
We determine the terms of the settlement according to the coverage and limitations in your contract.
Your claims adjuster will explain the settlement details and notify you of the applicable deductible.
See the settlement amount in Client Centre
Repair or replacement
Depending on the terms of the settlement, you can either repair or replace the affected property.
The deductible is the amount the insured must pay in the event of a claim. The higher the deductible, the lower the cost of insurance. The higher the deductible, the more the insured will have to pay for damages in the event of a loss.
Who do I pay my deductible to?
- If the reimbursement is paid to you, the deductible will first be taken from this payment.
- Otherwise, you will have to pay the deductible to the contractor you hire for the repairs.
Insurance companies consider a number of factors to determine home insurance rates and the amount of your premium at renewal. Your claims history in the past few years, the specifics of your residence, how you use it, the cost of materials and labour, or an increase in damage from severe weather conditions are just a few examples.
Will my premium increase?
Experience has shown that in the years following a loss, the likelihood of incurring another loss is greater. Therefore, 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.
Get answers to your questions about home insurance claims in our FAQ!