10 Jul 5 steps to follow in the event of a loss
Have you ever had a home insurance claim? If so, did you feel a bit lost or do you think everything went smoothly?
Most people have no idea where to turn when a claim occurs. In many cases having a claim is synonymous with annoyance and anxiety. That’s why we want to share with you today the 5 steps to follow in the event of a loss, information provided by la Chambre de l’assurance de dommages.
THE 5 STEPS TO FOLLOW WHEN A LOSS OCCURS
Notify your insurer
Contact your broker or insurer and describe to him to the best of your ability the circumstances surrounding the loss. It is important to have on hand the number of both your insurance broker and the insurance company.
Limit the damage
It is your responsibility to take steps to limit the damage or stop the situation from deteriorating, but do not make any permanent repairs before speaking to your insurer.
If you are able to do so, document the loss (with pictures or videos).
If water damage has occurred, dry everything as quickly as possible to avoid mold developing. If you throw out water soaked items, make sure to take a picture and describe them for the purposes of settling the claim.
In case of fire, do not enter the building before receiving permission from the competent authorities.
Authorize emergency work
In order to avoid further damage occurring, emergency work may be necessary. You can retain the services of a disaster restoration professional or your insurer can suggest one and even dispatch the company to the site, but make sure you properly understand what they are doing and how much it will cost before giving them authorization to proceed.
Meet with the claims adjuster in charge of your file
The insurer will designate a claims adjuster to settle your claim. He will guide you through the claims process. He will investigate the cause of the loss, estimate the damages and negotiate the settlement with you.
Verify how much coverage you have with the help of the claims adjuster
The claims adjuster will explain to you the coverage your insurance contract provides and, if necessary, how to go about obtaining additional living expenses (for example, if you have to leave your home).
Keep all your receipts for expenses incurred in the wake of the loss since they may be reimbursable.
Furthermore, if you need to have your furniture stored, carefully choose the personal effects that you want to keep with you, as it may be difficult to access the storage space or find a specific item amongst all the boxes.