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Your claim guide (Québec only)

Here’s what you can expect in the claim process:

When you discover a loss or damage to your property, it’s important to file a claim as soon as possible. You or your broker can contact Wawanesa through our online portal, by phone or by email to begin the process.

When you notice damage to your property

  • Be safe. Take necessary steps to ensure the well-being of you and your family.
  • Try to stop or prevent more damage from happening (without risking your safety).
  • File a police report if you suspect theft or criminal activity has occurred.
  • Do not attempt to repair the cause of damage unless necessary. Your claims adjuster may need to inspect the damage.
  • Keep receipts for equipment and services used to clean up damage.
  • Take photos or videos of the damage.

We will work with you to collect information and assign your claim to a claims adjuster.

When making a claim

  • Communication is the key to getting the job done for you, so be sure to tell us whether email, telephone or fax is the best way to reach you. Advise your claims adjuster of any changes to your contact information.
  • Provide documents and complete forms right away. This will help your claims adjuster review your claim as quickly as possible.
  • If you’re unsure of what’s expected of you, contact your claims adjuster. Don’t be afraid to ask questions.
  • Your claims adjuster may suggest sending a contractor to your home to prevent any further damage. We can recommend a reliable and trusted contractor from our Preferred Provider Network, or you can choose your own.

A claims adjuster will be in charge of your file and will make sure you are informed of the necessary steps to be taken and that the various experts and parties required are retained to provide you with proper support as quickly as possible.

Shortly after our first contact with you, your claims adjuster may follow up to better assess the damage or injury. Your claims adjuster may request photographs, ask to schedule a visit, or gather other information to help understand the specifics of your situation.

About your claims adjuster

We want to hear about your experience. You may receive an invitation to provide feedback about your claim experience at the beginning of the process, as well as after your claim is completed. Sharing your thoughts helps us improve our service. To enhance your experience in the future, we also welcome your feedback by contacting us at 1-844-929-2637 or by email at

Once your claims adjuster has collected the necessary information, they will advise you if your claim is covered by the policy you hold with Wawanesa. If it is, your claim handling will move forward. Your claims adjuster will also keep you informed of next steps and will provide you with the opportunity to ask any questions throughout the process.

During the claim process
Your claims adjuster will let you know:

  • What receipts and information you should collect during the process to support your claim.
  • The value of your claim.
  • Any out-of-pocket expenses you can expect, such as your deductible.
  • The options available to you – including whether to repair, replace or choose a cash settlement.

Your claims adjuster is your partner. We believe we are best qualified to guide you through the claim process and help you manage this situation quickly and easily. We also recognize people have different needs and expectations so we offer the following options:

  • Repair or replace with our PPN vendors: Our trusted Preferred Provider Network (PPN) vendors will make the process easiest for you by working directly with Wawanesa. This allows for direct payments and results in less paperwork, fewer receipts, and minimal follow-up calls for you to manage.
  • Repair or replace with your vendors: You may choose to use your own service provider to manage your repair or replacement. In this case, you will pay your costs directly and provide receipts to your claims adjuster. We will then review the receipts and may inspect the work completed, and pay you back for the approved services and replacement items, subject to any policy limits. Your claims adjuster will still be your partner, and will work with you to determine what qualifies for reimbursement on the approved items.
  • Cash settlement: Every claim is assigned a cash value and it is your right to request a cash settlement. We will issue you an upfront payment (via cheque or electronic transfer) and you can manage the repair or replacement on your own. Remember to keep all receipts for relevant work completed during this time, as you may request an adjustment or additional funds if the repair or replacement costs are higher than initially estimated. Settlement remains subject to any applicable policy limits.

Once the damage from your claim has been repaired, the item(s) are replaced, or you’ve received a cash settlement, your claims adjuster will be in position to complete your claim. At this stage, it’s important that everything is:

  • Complete: Make sure the work is complete and that everything under your claim is restored and/or replaced. You may be asked to sign a Proof of Loss form.
  • Quality checked: Its important that you’re happy with the quality of work completed by the contractors / trades (Wawanesa guarantees the work done by our Preferred Provider Network).
  • Satisfactory: We want you to be satisfied with the service and quality of assessment, communication and professionalism of your claim service.

Once your claims adjuster has ensured these steps have been satisfied, we will communicate with you to verify your claim has been completed.

After completing your claim, you may receive an email or phone call asking about your experience. The information you provide helps us improve our services to enhance your experience in the future. You can also provide feedback by contacting us at 1-844-929-2637 or by email at

We are committed to addressing your concerns in a timely manner. If your claim is denied and you have reason to believe it should have been covered, or have a complaint related to the handling of your claim, you may contact the Office of the Ombudsman at or 1-844-241-0229 or you may refer to our website for information on Concerns and Complaints.