Claim - Water damage - Claiming - Owner - Home insurance |


Water damage

It’s time to start preparing your claim and assessing the extent of the damage with your insurer.

Preparing your claim

Make a list of the items that were damaged or destroyed. Where possible, give your insurer the equipment model, proof of purchase, warranties and price paid. Your property inventory will help you for this stage. Videotape or take photos of the damage.

Suffered a major loss?

Make sure to follow the claims settlement process to make sure that the coverage you purchased is used as you wish. Especially if this amount is less than the cost of the damages incurred. You’re the one who decides how this amount will be used.


Did you know that the cost of cleaning or storing items, or for clearing your residence, are paid out of the insurance settlement?

The claims adjuster will contact you

The adjuster will investigate the circumstances of the loss. He’ll explain the process to follow, depending on the nature of the damages suffered and your insurance coverage.

If the damage is major and is covered, the adjuster will rapidly send a team specialized in cleaning up after a disaster and will coordinate the work to empty and clean the damaged premises.

What not to do

Don't be tempted to claim items you’ve never owned or exaggerate the value of those you did. You could lose your indemnity. And you’ll have a lot of difficulty getting reinsured.

Settling a claim: the key stages*

  1. Emergency repairs are made to stop damage from getting worse.
  2. Plans are drawn up to repair and rebuild the damaged premises.
  3. A list of damaged, destroyed or stolen property is drawn up.
  4. Items are cleaned, repaired or replaced depending on the type and condition, (as per the coverage chosen when you purchased your home insurance policy).
  5. The rooms of the home are rebuilt.

* These stages may vary from disaster to disaster or from insurer to insurer; they’re provided for information purposes only.

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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