Key steps for a home insurance claim

Key steps for a home insurance claim

If a disaster-affected your home, would you know what to do? Many people have questions about how home insurance claims work. What are your role and that of the claims adjuster in this process? How much will be refunded? How long is this going to take? And the franchise in all this? Let us enlighten you.

Even if each type of disaster corresponds to a complaint process, the mechanics remain quite similar. There she is!


In the course of your home insurance claim, you must react as quickly as possible following a loss to have your file opened and be compensated, according to your contract, as soon as possible.

  • Notify your insurer or broker without delay, having your insurance contract number on hand if possible: describe the circumstances of the loss as best you can, explain to him clearly what happened, give him the context of the accident or event and be as specific as possible.
  • Limit the damage: you are responsible for limiting the damage or its aggravation. It’s not about jumping into permanent repairs before you’ve spoken to your insurer! For example, if it is water damage and you can remove some water to counter the mold, do it.
  • List all property damaged or destroyed during the disaster (furniture, appliances, etc.).
  • Write a detailed list of all damaged or destroyed furniture or objects. Be aware that the claims adjuster assigned to your claim will ask you to do so. Don’t forget to include proof of purchase such as invoices, warranties, user manuals, and packaging. You can even add photos and videos to your folder.

Tip – Don’t wait for a claim to take inventory of your belongings! Draw up this inventory and keep it up to date. This will greatly simplify your life in the event of a claim.


You have done your duty; now let the expert do his job. This is the specialist appointed by your insurer. He will guide you in all the steps of your claim. What exactly does it do?

  • Investigate: it is he who will investigate the circumstances of the claim, determine whether the loss is admissible in whole or in part, analyze the documents you have provided and explain the procedure to follow.
  • Assess the damage: for any damaged item, you have three options: repair, replace, or refund. If the good is repairable, it will be repaired. Otherwise, the insurer will replace it or reimburse you according to its value on the day of the loss, taking into account the type of settlement defined in your contract.
  • Pay compensation: if applicable.


  • Payment of your damages: it will correspond to the value of the goods or their replacement cost, subject to the conditions and limitations of your contract.
  • Example of limitations that may be included in the contract: in the event of theft only, coverage limits are provided for, in particular for jewelry, furs, manuscripts, stamps, coins, gold or silver objects, bicycles, audio and video media, video games, sports and artistic cards, works of art and collections.
  • For other types of claims: there may be limitations for boats, precious metals, banknotes, software, garden tractors, snowplows, securities, professional personal property, wines, and spirits.
  • Settlement time for a home insurance claim: 60 days from receipt of relevant information and supporting documents required by the insurer.


A single equation to remember: the amount paid by your insurer = the amount eligible for compensation (depending on the damage and the specifics of your contract) – the deductible amount entered in your home insurance contract.

A useful reminder: the deductible is the amount you agree to pay in the event of a claim. It is indicated in your contract. In general, the home insurance deductible ranges from $300 to $1,000. In addition, your claim may be subject to a deductible waiver, depending on the extent of your loss.

We hope this article has given you peace of mind. The prospect of experiencing a disaster and having to make a home insurance claim is certainly not pleasant, but no one is immune to an incident. You might as well be well informed Don’t hesitate to contact a Promutuel Insurance agent to ask your questions and benefit from the best coverage for you.

By aamritri

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