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Enter your discount code and postal code to speak with your group's broker.

How to make a home insurance claim

  1. Contact the police (for theft or vandalism) or fire department as needed.

  2. Keep a copy of the police/fire report for your records.

  3. Contact our 24-hour emergency line to report your claim: 1-800-607-2424 or
    1-888-875-8088 (Quebec).

  4. Tell us about the incident in as much detail as possible, and provide a list of the items that were stolen or damaged, including (if applicable):

    • a detailed description of the item
    • its make and model number if known
    • when and where the item was purchased
    • approximate purchase cost
    • proof of ownership, if possible (e.g., receipt, photo, warranty registration)

  5. If repairs are required, and with your permission, we’ll then contact one of our approved contractors in your area so they can get started right away — no appraisals or estimates required.

    If you'd like to use your own contractor, we'll provide them with your coverage information and answer any questions they may have. A claims representative will then complete an assessment of the damage, which you can take to your preferred contractor.

  6. If repairs are not an option or your stolen property cannot be recovered, one of our claims representatives will help you in processing your claim for a cash settlement.

  7. If your home is not liveable, make alternate living arrangements. Your group insurance covers additional incurred living expenses such as hotel and meal costs. Ask your broker or claims adjuster for details.

Your satisfaction is our top priority.
We guarantee it.

Our hassle-free service program guarantees the quality of your repairs, and the prompt, friendly service you deserve — from start to finish. And with 24-hour emergency service, we’ll be here when you need us most.

How our satisfaction guarantee works

When you or your broker call us to report your claim, we’ll immediately contact one of our approved contractors in your area. We’ll give them your coverage information and details of the damage so they’re ready to get working on repairs right away — no appraisals or estimates required. There’s no need for you to shop around for reputable, qualified contractors as we’ve already done that for you. Our partners must meet rigorous performance standards to be part of our program.

  • Prompt, efficient, and hassle-free service
  • Two-year guarantee on property restoration and repairs made by a Definity Repair Partner

While you have the option to use a contractor that does not participate in our program, we can only guarantee your satisfaction when you choose one of our Definity Repair Partners.

What's it like to make a claim with us?

Watch real customers share their stories.

A real game changer: how we helped get Mark’s flooded games room and billiards night back on cue

We're here for you

No question is too big or too small. Give us a call:

1-800-607-2424
1-888-875-8088 (Quebec)