Having a claim can be stressful. We've provided this information on what to do in the event of a claim to help you through this time.


Who to call:

  • During Business Hours - Your Broker
  • For After Hours Emergencies - 1-877-268-5888

What to do:

  • Take reasonable steps to protect your property from further damage, i.e., tow your car to safe place, close up damaged windows, etc.
  • Obtain and record all information on any event which may lead to a claim including dates, time, names, addresses (especially of witnesses), take photos if possible.
  • Do what would be wise to do, as if you didn't have insurance.
  • Notify and co-operate with proper authorities, i.e. Police, Fire Department, etc.
  • Report the incident per WHO TO CALL above.
  • If you are served with legal papers claiming something covered by your insurance, bring them to us IMMEDIATELY so we can defend you.

What not to do:

  • Don't throw away or destroy any damaged property.
  • Do not admit fault to anyone else, either verbally or in writing. (Talk to us first.)

What we will do:

  • We will appoint an adjuster who will be in contact with you within 24 hours of when we receive your report.
  • Your adjuster will clearly explain your insurance policy and the claims process and answer your questions.
  • The adjuster's job is to make inquiries sufficient to settle your claim, including taking a detailed report from you and possibly others and gathering documents, i.e., copies of bills, etc.
  • We will assist you in getting your claim settled promptly.
  • Once we agree with you on the final amount of your claim, we will pay as quickly as possible.