What Should I Do in the Event of a Loss?What Should I Do in the Event of a Loss?http://chad.ca/en/consumers/making-a-claim/229/what-should-i-do-in-the-event-of-a-lossQuoi faire en cas de sinistre?

​​A loss doesn't only happen to others. Despite the shock, take things step by step and act calmly and logically.

  1. Notify your insurer
    and describe the circumstances of the loss to them.
  2. Limit Damage  
    If water damage has occurred, dry everything as quickly as possible to avoid mould developing. If you throw away water damaged items, be sure to take a picture in order claim the loss. Do not make any permanent repairs before discussing them with your insurer. ​
  3. The Claims Adjuster
    When a loss occurs, the insurer will assign a claims adjuster who will guide you through the process of making your claim. The adjuster will investigate the cause of the loss, estimate damages and negotiate the settlement. ​
  4. The Service Provider
    You are free to choose the contractor who will do the repairs. You must discuss this with your claims adjuster in order to agree upon the terms of the settlement. Please note that insurers can also suggest contractors with whom they already have service agreements.
  5. Prepare your Claim
    When making a claim, you are responsible for proving your losses. You should draw up an inventory of your property (you will be happy to have prepared it beforehand!) with as much proof as possible of ownership including invoices, photos, manufacturers’ guarantees, etc. Keep receipts for expenses incurred in the wake of the loss that could be reimbursed as “living expenses” (meals, lodging, etc.)

To learn more, please read Quoi faire en cas de sinistre? (available in French only on the ChAD website)

10/24/2014 8:48:08 PM