What to Do After an Accident in Your Home

These helpful checklists can help you get through a stressful time.

If your home has water damage

Chances are, you will face water damage in your home at some point. But just because it’s a common occurrence doesn’t make it any less inconvenient or costly. That’s why we’ll be ready to help you get your house dried out and your possessions restored as soon as possible.

1

What to do
Be safe. Check to see if your house is structurally intact. Make sure the power and heat are turned off in the flooded area. We don’t want you or anyone in your family to be hurt.

When
As soon as you realize there was water damage, make sure your place is safe

2

What to do
Call us. Our claims representatives can start your claim and help you decide what to do next.

When
Immediately after loss

3

What to do
Move out if necessary. If the water damage has made it impossible to live in your home, one of our claims representatives can help you relocate until your home is back to normal.

When
When the water damage happens or after the adjuster recommends the move

4

What to do
Make a list. Write a list of damaged or lost items and include their purchase date and value, with receipts.

When
Prepare as much as possible prior to calling but this can be done after reporting the loss

5

What to do
Take pictures. Take photos of any water damage in your home and any damaged personal property belongings.

When
After reporting the loss or when it is safe to do so 

6

What to do
Clean up. Wear gloves and boots to clean and disinfect if needed. Prevent mould by removing wet contents as soon as possible. Open windows and use fans to help dry the area.

When
When safe, try to minimize further damage

7

What to do
Call City Hall. It’s important to let your municipality know about the situation, in case your water damage was related to the city sewers.

When
After reporting the loss and moving to safety

Did you know?

After water damage, some items in your home may need to be thrown out. Don’t forget to take a picture first, so you can include those items in your claim.

If you experienced a fire in your home

Even on a small scale, fire can be damaging to possessions and –more seriously– to health. If a fire occurs in your home, this checklist can help you deal with the aftermath. And we’ll be ready to help you repair the damage and return your home to its previous state.

1

What to do
Call the fire department. Even if the fire is small, get the experts to your home right away.

When
As soon as you discover the smoke or fire

2

What to do
Make sure your home is safe. The fire department will let you know when it’s safe to go back into your home or into a particular room

When
Once the fire department gives their ok

3

What to do
Call us. Our claims representatives can start your claim and help you decide what to do next.

When
After calling the fire department and from a safe place

4

What to do
Move out if necessary. If you can’t live in your home due to the fire, one of our claims representatives can help you relocate until your home is back to normal.

When
If deemed unsafe by the fire department

5

What to do
Ask for a fire and police report. This is important for us to complete your claim quickly and to your satisfaction.

When
If possible at the scene or after from police

Did you know?

Cooking is a leading cause of house fires. Most cooking fires start when an oven or stove is left unattended, or when items are left too close to cooking equipment. That’s why many people keep fire extinguishers in the kitchen.

If your home has been burglarized

When theft occurs in your home, it can be a traumatic experience. We understand how it can impact your sense of security, and we will help you recoup your losses as fast as possible. Here’s what you can do if it happens to you.

1

What to do
Call the police. You should report the theft right away.

When
As soon as you realize there was a break-in or loss

2

What to do
Check for damage. Try to see if any damage has been done to the inside or outside of your home.

When
Right after theft realized

3

What to do
Call us. Our claims representatives can start your claim and help you decide what to do next.

When
As soon as you realize a loss has occurred  

4

What to do
Contact your landlord (for tenants only). If you are renting your home, you should call the owner to let him/her know about the situation, especially if there is damage to the building.

When
After you have contacted the Insurance company

5

What to do
Secure your home. Your home may need to be secured (if a window or door is broken, for example). If it’s urgent, call a contractor to make the necessary repairs and be sure to get receipts. We can put you in touch with someone from our Rely Network® to do the job for you.

When
After calling the Insurance company

6

What to do
Make a list. Try to make a list of the possessions that are missing. Include dates purchased, place of purchase, make and model, serial numbers and any proofs of possession (receipts, pictures, instruction manuals, boxes or account statements).

When
Prior to calling if possible or once the claim has been reported

Did you know?

In the event of a break-in, an up-to-date inventory of your personal belongings and their value will be incredibly helpful to you, your insurer and the police. If you don’t have one, think about making one as soon as possible. You can download a Personal Property Inventory Form right now

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