How to claim from your house insurance company.

How to claim from your insurance company.

The complaint process

Once you have contacted your insurer, an adjuster will be assigned to your file. He will explain the procedure, depending on the nature of the damage and the coverage of your insurance policy. If the damage is significant and covered, the expert will quickly move a team specialized in the post-disaster cleaning and will coordinate the work to empty and clean the affected areas.

The 5 steps of claim settlement in home insurance

Emergency work is done to prevent further damage; An estimate is prepared for the repair and reconstruction of damaged areas;

A list of damaged, destroyed or stolen property is established;

Property, according to its nature and condition, is cleaned, repaired or replaced (depending on the type of settlement chosen upon purchase of your home insurance policy);

The rooms of the house are rebuilt.

These steps may vary from one disaster to another or from one insurer to another; they are presented for illustrative purposes only.

Replacement of destroyed or damaged property

Your home insurer will repair damaged property that is repairable.

If the property needs to be replaced, your insurer will replace it with new property of the same type and quality if it is the settlement option you chose when you bought your policy. Otherwise, he will refund you according to their value on the day of the loss.

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Repair your home

For damage to your home, an estimate must be prepared to assess the costs of rebuilding the affected areas. Your insurer will repair or rebuild damaged or destroyed parts. If you decide not to carry out these repairs, your insurer will reimburse you by an amount of money taking into account the value on the day of the loss.

Choice of supplier or contractor

To repair or replace a property or to rebuild damaged areas, you can contact the supplier or contractor of your choice. However, you must discuss it with your insurer first to hear about the amounts granted.

Did you know that the cost of cleaning or storing the goods as well as the costs of removal are payable from the amount of your insurance?

Have you suffered a major loss?

Follow the claim process so that the amount of insurance you have purchased is used as you wish. Especially in the event that this amount is insufficient to cover the damages suffered. It is up to you to decide how this amount will be used.

What not to do in a claim

Obligation of your insurer

Your home insurer must return your property and your home in the same state they were before the disaster. He has the obligation to repair or replace damaged property and / or part of the building.

Your insurer must also compensate you within 60 days of receiving your claim or, if requested, relevant information and supporting documentation.

For damage to your home, an estimate must be prepared to assess the costs of rebuilding the affected areas. Your insurer will repair or rebuild damaged or destroyed parts. If you decide not to carry out these repairs, your insurer will reimburse you by an amount of money taking into account the value on the day of the loss.

The claims adjuster will contact you

The expert will investigate the circumstances of the incident. He will explain the procedure, depending on the nature of the damage and the coverage of your insurance policy.

If the damage is significant and covered, the expert will quickly move a team specialized in the post-disaster cleaning and will coordinate the work to empty and clean the affected areas.

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I build my house: what insurance should I contracts?

I build my house: what insurance should I contracts?

Home construction insurance

Whether you entrust the construction of your home to a contractor or do it yourself, there are insurance policies to subscribe as you are the owner. More details on these guarantees in the rest of this article.

Property damage insurance

This is a contract governed by the law Spinetta that requires any owner to take out home insurance to cover any defects in construction. This concerns for example the collapse of the roof or the collapse of the floor. However, damage insurance does not cover damage caused intentionally, after a fire, following a natural disaster or those due to natural wear and tear. The damage insurance-work is obligatory for the owner. In addition to the owner of the building, it could also be the real estate developer, the agent, the syndicate of the condominium or a builder of detached house. It should be noted that the guarantees of the property and casualty insurance are ten years from the beginning of the works.

In addition to the coverage offered by the property and casualty insurance, you can also take out other guarantees such as the guarantee of inseparable equipment. This guarantee is valid between the perfect completion and two after the reception of the works. For example, it covers possible damage to a concrete screed. There is also the non-material damage cover which covers the owner or the occupants of a building in the event of claims that have caused an operating loss or loss of rent. If it is a house under renovation or extension, there is also the guarantee of damage to existing because of new work. You can also apply for an all-risk insurance policy that covers you for various claims in addition to those mentioned above.

To benefit from an optimal coverage, it is recommended to make a comparison of damage insurance. If you do not have time to search for home insurance, you can use an insurance broker. It acts as an intermediary between you and the insurers and can offer you contracts adapted to your profile.

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