The Chambre de l’assurance de dommages: Protecting the Public
The Chambre de l'assurance de dommages is a self-regulatory body whose mission is to protect the public. The ChAD delivers on its guarantee that consumers will receive high quality services from damage insurance professionals by ensuring legislative and ethical oversight, disciplinary and preventive measures, and compulsory professional development.
Our Mission: Protecting the Public
From insurance quote to insurance claim, the ChAD is there to explain to you the role, obligations and best professional practices of the certified damage insurance professionals it oversees.
Practical Information
The Right Insurance for You
All you need to know about automobile, home and business-lines insurance.
The Claimant’s Handbook
This guide will help you to keep track of all the steps, documents and information you need to settle your claim.
Damage Insurance Professionals
Damage insurance agents and brokers, as well as claims adjusters, are all damage insurance professionals. They are certified by the Autorité des marchés financiers and overseen by the ChAD.
Types of Recourse
Depending upon the situation, insureds who feel that they have been wronged by a damage insurance professional or business may choose from several options.
Common Scenarios
Are you having issues with an agent, broker or claims adjuster? The ChAD has identified certain common scenarios that occur in the field of damage insurance and what you can do in each of these situations.
I disagree with my insurer’s decision.
Occasionally, an insured disagrees with the insurer’s decision. If you do not agree with the amount of compensation the insurer has offered you, or with the insurer’s decision to not compensate you, here is what you can do.
I would like to file a complaint.
Anyone who is concerned about the behaviour or the quality of services of a damage insurance agent, a damage insurance broker, or a claims adjuster may file a complaint with the Syndic’s Office.
My insurer has increased my insurance premium.
Has your insurer significantly increased your insurance premium? Are you wondering about the rules regarding insurers increasing their rates and whether they have the right to increase premiums as they please? Let’s take a look at the question.
My insurer terminated my contract.
Has your insurer decided to terminate your insurance contract before its expiration date? Or has the insurer decided not to renew it at renewal time? Here are the reasons that could lead to such a decision, how the insurer must proceed, and what you should then do.
Co-Ownership Insurance
It is important to understand that there are two types of co-ownership insurance contracts: the co-owner’s contract and the syndicate of co-ownership’s contract. Co-owners and syndicates must comply with their respective obligations and responsibilities in order to safeguard their joint property.
My broker has billed me for fees in addition to the premium.
You have dealt with a damage insurance broker to find an insurance policy that best meets your needs. However, when you receive the invoice, you notice that the broker has charged you fees in addition to the premium. What explains these fees and what are your options?