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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 in order to help you understand the role and obligations of certified professionals, and what you can do if you find yourself in one of these situations.

I have recently become a co-owner. What do I need to know?

Here is what both co-owners and syndicates of co-ownership need to know to make sure they have proper condominium insurance.

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How do I properly prepare to renew my contract?

Discover the questions you need to ask yourself and the issues to consider at renewal time.

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Dissatisfied with the compensation you received?

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.

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I don't know why 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.

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My insurer has increased my insurance premium

Has your insurer increased your insurance premium? What are the rules, and does an insurer have the right to increase premiums? Let’s take a look at the question.

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My broker has billed me for fees in addition to the premium

Why might a damage insurance broker bill for fees other than the insurance premium, and what are your options?

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Co-Ownership Insurance

It is important to consider that there are two categories of insurance contracts in co-ownership insurance: that of each co-owner, and that of the co-ownership syndicate. Co-owners and syndicates each have certain obligations and responsibilities in order to preserve their joint property.

Learn more about Co-Ownership Insurance

Filing a Complaint with the Syndic’s Office

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.

Learn more about Filing a Complaint with the Syndic’s Office

My insurer wants to see my credit history

When purchasing an insurance policy, the agent or broker asks to see your credit history. Do you have to agree to this?

My insurer requires that I make changes to my car or my home

Certain agreements between the insured and the insurer are known as “warranties.” Learn what this type of agreement entails.

I need help. What should I do in the event of a loss?

A loss doesn’t only happen to others. Our Making a Claim section will help you with what you need to do, step by step, in the claims settlement process.