In the aftermath of an insured event such as a fire, windstorm, or break-in, your home insurance policy can play a crucial role in restoring your property and possessions. Despite the upheaval, initiating your insurance claim promptly can hasten the return to normalcy.

Before initiating a home insurance claim, ensure you have the following information readily available:

1. Your insurance policy number and any relevant police reports (if filed). If you’ve reported theft or property damage caused by a third party, retain a copy of the police report to furnish to your insurer, along with your policy number for expediting the claims process.
2. Details pertaining to the incident or event. Document essential particulars of the damage, including a comprehensive description of the event, its location within or around your home, and the precise date and time of occurrence. Providing thorough details is advantageous.
3. A comprehensive home inventory. Maintain a detailed inventory of all valuables within your home, such as artwork, electronics, or collectibles. This inventory proves invaluable in the aftermath of a break-in or damage from insured events like fires or storms. Regularly update your inventory to streamline the claims process and ensure your insurer accurately assesses the value of your belongings. Include:

• Detailed list of personal belongings
• Value of each item
• Receipts or appraisals
• Serial numbers
• Brief descriptions of items

4. Documentation of the damage. Capture photographs and videos showcasing the extent of the damage. If you possess a home security system with audio and video capabilities, include any pertinent recordings with your claim.

Make sure you have your insurance policy number, home inventory list, and photo evidence of the damage on hand before you call to file a home insurance claim. This will help expedite the claims process.

5. All relevant receipts and invoices. If your home becomes uninhabitable due to the insured event, you likely incur expenses for food and accommodations. Retain all receipts, as your insurance policy includes coverage for Additional Living Expenses, reimbursing you for these costs.

We understand that accidents can occur unexpectedly, often leaving little time to gather all the necessary information. Rest assured, your insurance broker stands ready to guide you through the claims process, facilitating the restoration of your home without undue delay.”

Looking for home insurance? Speak with a ZAG Insurance broker today to get a quote on Ontario home insurance. Call us now at 647-313-9402.