PROOF OF LOSS FOR INSURANCE CLAIMS

What do I do if I need to make an insurance claim for lost or stolen possessions?
Losing possessions, whether it is because of theft, loss during travel, or damage due to fire or floods, can be very stressful. When you contact your insurance provider about making a claim, they will provide you with information about the next steps you need to take. Each insurance company will have their own form, called an “Insurance Proof of Loss” form, that you will need to submit to them in order to claim compensation for your missing or damaged property.

The Insurance Bureau of Canada is a helpful starting place to go to find information about making insurance claims. They recommend that you contact your insurance provider as soon as possible after your property is lost or damaged. They also suggest that you take photos/videos and take notes of any loss or damage as soon as possible, as long as it is safe to do so. You will need this information when you make your claim.

What should I do now to make any claims for loss or damage easier in the future?
It is a good idea to keep receipts for major purchases in case of possible insurance claims in the future. As well, the Insurance Bureau of Canada recommends that everyone should keep a detailed inventory of personal possessions, with photos and copies of receipts or estimated values. Having this information is very helpful if you need to make an insurance claim in the future. Read more...