At the time of the loss - Fire - Claiming - Owner - Home insurance |



Your home insurance policy protects you in case of fire.

You go to answer the phone and the oil in the frying pan, in which you’re frying potatoes, catches fire on your stove top. A fire starts in your kitchen!

After making sure you and your family are safe, you immediately call 911 or the fire department:

  • Get all the occupants out of the house right away.
  • Meet at a designated meeting place outside the home or at a neighbour’s. Never go back into the home.
  • Don’t go looking for clothes, pets or objects of value. Get out!
  • Don’t go back into your home once the fire has been put out without first having obtained the authorization of the competent authorities. If it’s a major fire, the structure could collapse.

Call your insurer as soon as possible. He’ll ask you to describe the exact circumstances of the fire and the damage suffered. And depending on the type and extent of the damage, he’ll tell you what to do.

Can’t stay in your home?

Talk to your insurer to find out what compensation you’re entitled to, where applicable. Ask for a cash advance, if needed. Keep all receipts and invoices for lodging and food expenses incurred following the loss.

Unless they’re a health hazard, don’t throw out damaged items right away. And don’t make permanent repairs before speaking to your insurer. If you need to do emergency repairs to prevent further damage, keep the invoices or receipts.

How to prevent fire.

the five steps of a claims settlement process in home insurance

Discover the five steps of a claims settlement process in home insurance

Contact your insurer Get your claim ready Assess the damage Agree on a settlement Indemnity payment

Call you insurer or broker as soon as possible. Explain what happened as concisely as you can.

List the damaged, destroyed or stolen property; include the model, proof of purchase, warranty and price. And take a photo of the damage.

The claims adjuster will assess the circumstances of the loss, analyze the documents you provide and explain the next steps.

If the property can be repaired, it will be. Otherwise, your insurer will replace it or indemnify you as provided for under your policy.

Depending on the extent of the loss, your insurer will indemnify you in one or more instalments or pay your suppliers or contractors directly.

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