You’ll want to get your life back to normal as quickly as possible. In three steps, we’ll help you get the ball rolling.

Step 1: Call the authorities and/or your insurance broker.

In case of vandalism, theft or other similar situations, law enforcement authorities should be contacted first and a police report should be prepared.

When you speak to your insurance broker, they will know the specifics of your policy coverage and will be able to advise you.

Step 2: Connect with us.

Your insurance broker can connect you. They can even stay on the line with you as you speak to one of our representatives. Or, call our 24/7 claims service line: 1 866 464-2424.

Step 3: Get back on track.

• Repairs: Trust our Rely Network® of professional restoration contractors. They’ll get to work quickly on repairing your home or property.

• Replacement: To ensure you receive appropriate replacements for your contents, we’ll ask for a list of all damaged items, as well as key support documentation (such as appraisals, owners’ manuals, photographs, receipts, warranty information or original packaging). If you don’t have the necessary documents, we can advise you on other options.

• Reimbursement: If your policy includes Replacement Cost Coverage, we will reimburse you for the full amount needed to buy the item (or a comparable new item) or give you the value of the item (less any deductible).

• Accommodation: If your home is uninhabitable due to a covered peril, we’ll help you find alternative short or long-term accommodation and, if needed, supply emergency funds.

Do you need to submit a claim?
 
You don't have to submit a claim.
 
Just contact a glass repair shop in our network. The shop will send us the required information and repair or replace the damaged glass.
 
Log in to Client Centre to find a glass repair shop

Stay calm. If you’re ok, make sure others are, too. If you can, assist anyone who is injured and gather information.
 

Get help if you need it and make the area as safe as you can.

• If there’s major damage or injuries, call 911

• Turn off your engine

• Don’t smoke or place flares near your vehicle

• Don’t move your car if there are injuries, fatalities, extensive damage or fuel leaks
   

Gather information from everyone involved.

• Collect names, addresses and phone numbers of the other drivers.
   

If your car is not drivable, you’ll need a tow truck.

• Call our 24/7 Claims Service line and we’ll assist in arranging a tow and rental car for you

• Remember to remove all valuables from your vehicle

If you were involved in a car collision, you can file your claim by phone.

Don’t turn on any electrical switches until your electrical system has been checked by a professional.

• First, turn off your main switch if you can do it safely.

• If you have gas service, check for fumes – if you notice an odor, call the gas company immediately.
   

Take steps immediately to protect your property from further damage.

• Board up holes or shut off water supplies to ensure your belongings are not damaged further.

• Whenever possible, move undamaged items out of wet basements and away from flooded parts of your home.
   

To report the damage call us at 1 866 464-2424 immediately

• Standing water and wet materials are a breeding ground for micro-organisms such as viruses, bacteria and mould which can cause disease, trigger allergic reactions and continue to damage materials long after the water damage. Mould growth can start in less than 48 hours.

• Save receipts for materials you use – we will cover any reasonable cost associated with protecting your property if the loss is covered by your policy.

If you smell smoke or see flames, get everyone out of the building immediately. Remember:

• The air is clearer near the floor

• Get down on your hands and knees and crawl to an exit

• Close doors to slow the spread of smoke and flames

• Agree on a meeting place, go there and “take attendance” to be sure that no one is left inside the building
   

Call the fire department!

• Phone from outside the building and give the complete address

• Don’t hang up until you’re told to do so

• Be sure no one goes back inside for any reason

• Tell the fire department if anyone is trapped inside the building
   

To file a claim, connect with us.

Your insurance broker can connect you. They can even stay on the line with you as you speak to one of our representatives. Or, call our 24/7 claims service line: 1 866 464-2424.

If there’s a storm brewing, keep up with its progress through local news or weather channels. If you are told to evacuate or take cover, do it!

Protect yourself by taking these steps:

• Secure all glass openings (windows, sunroof) to limit additional damages

• Make sure outdoor furniture and fixtures and all vehicles are brought in to prevent them from being damaged

• Stay away from glass windows and doors and seek refuge in an interior room with no windows

• Avoid using electrical appliances

• Take care of your pets: A storm can be a frightening experience, and they could injure themselves or injure you if panicked

• Do not light candles or lanterns – they could get blown over causing a fire

• Never go out during the storm – flying debris can cause severe injuries

• After the storm clears, and you come out, beware of downed power lines and gas leaks

• Stay away from heavily damaged areas. Listen to your radio for instructions
   

To file a home claim, connect with us.

Your insurance broker can connect you. They can even stay on the line with you as you speak to one of our representatives. Or, call our 24/7 claims service line: 1 866 464-2424.

If your car was damaged by hail, you can file your claim by phone.

If you return to your home and find your door or window ajar, call the police immediately. Do not go in. The sooner they arrive, the greater the chance your valuables will be recovered.

In the event of a surprise encounter with an intruder, attempt to flee. If you are blocked in, remain still and allow the intruder to leave. Do not try and stop an intruder from leaving, as the person may be armed.

Do not touch anything or attempt to clean up the mess before the police arrives. You may ruin important evidence. Give the police a copy of your home inventory. This will make it easier to identify a suspect who is caught with your valuables.

To file a claim, connect with us.

Your insurance broker can connect you. They can even stay on the line with you as you speak to one of our representatives. Or, call our 24/7 claims service line: 1 866 464-2424.