At the time of the loss - Wind and hail - Claiming - Tenant - Home insurance |


Wind and hail

Your home insurance policy protects you against damage caused by tornadoes, strong winds and hail.

Even if they’re rare in Quebec, tornadoes have hit cities like Maskinongé, Aylmer and Mont-Laurier. Most often, strong winds and hail occur, regardless of the season or region.

Can’t stay in your apartment?

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.

What should you do if violent winds deposit your garden furniture onto your neighbour’s lawn?

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

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.

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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