Claim Process

This information is intended as a general reference only. Thoroughly review your policy so that you are aware of specific definitions and conditions that apply to the insurance coverage you purchased.

Insurance policies are contracts between you and your insurance company. Contact your Insurance Broker to review your policy before a loss occurs to understand your coverage.

Wawanesa Insurance is committed to providing superior products and service for our customers. If you have any concerns in regards to your claim process, please visit our Customer Satisfaction page for assistance.

  • Contact your Insurance Broker about your loss. You may also Submit an Automobile Claim or Submit a Residential Claim online. If the loss or damage is an emergency, contact your Broker or the nearest Wawanesa Insurance Branch or Service Office to report your claim.
  • Report burglary or theft to police. Personal injury automobile accidents and accidents resulting in property damage may also need to be reported to the police.
  • In the event of an accident, contact your Insurance Broker immediately. They can inform you about the length of the claim process, which party is responsible for obtaining damage estimates and whether your claim exceeds your deductible.
  • Let your Insurance Broker know how you can be contacted.
  • Make temporary repairs and protect your property from further damage once it is safe to do so. Save receipts for what you spend and submit them to us for consideration. Payments for temporary repairs are a part of your total settlement.
  • Maintain records of expenses and copies of paperwork. Also retain copies of all and correspondence we provide you.
  • Return required documents to your Insurance Broker as soon as possible. You may be required to submit various forms or documents in support of your insurance claim, such as Proof of Loss forms, medical invoices, repair bills and a copy of the police report. Your Insurance Broker or adjuster will guide you through what is needed.


  • An adjuster may contact you by telephone to provide instructions and gather specific details.
  • We may send you a Proof of Loss form to complete. This may occur after your adjuster visits your home.


  1. Create a detailed list of damaged items on your property. Identify brand names, model numbers, where the item was purchased and its original cost. (You can use our Personal Property Inventory form to easily keep track of your possessions.) Do not dispose of damaged items, as your adjuster may need to view them.
  2. Take note of any structural damage on your property. Look at all structures, such as sheds, fences, garages and carports. If you suspect damage that is not visible, the adjuster may recommend hiring experts to carry out further inspection.
  3. Obtain detailed repair estimates from licensed and bonded contractors. A written estimate should outline what labour and materials are needed.
  4. Save receipts from any additional living expenses may you incur while away from your home. If you need to live elsewhere while repairs are underway, your policy considers all expenses over your regular expenditures.


Once the terms of the settlement are agreed upon, your payment will be sent promptly.

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