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Tips for dealing with property damage

Protect your home from further damage

  • Board up broken windows and openings in the roof and walls of your home. Make sure that your property is secured prior to leaving.
  • Since coverage has not been determined, if possible you should consider protecting your property from further damage by removing water in the case of a flood.
  • Take pictures of damaged property prior to repairs, and present these to your claim advisor or Desjardins Insurance Agent.
  • Keep an accurate record of all your repair expenditures. Submit it to your claim advisor for evaluation.

Protect your personal property from further damage

  • Separate what can be cleaned and/or repaired from what cannot.
  • List items that can't be saved (include brand name, age, today's replacement cost, model or serial number).
  • Don't discard items until a claim advisor says it's okay.
  • Take pictures of damaged property and show them to your claim advisor or Desjardins Insurance Agent.
  • Our replacement service can help provide you with a quote and replace personal property that was lost, stolen or damaged.

If your home is uninhabitable

  • Advance payment for living expenses may be available.
  • Find temporary housing for you and your family.
  • Keep all receipts associated with the temporary housing, meals and other miscellaneous expenses, in addition to your regular expenses.
  • DO NOT enter into long-term leases until you talk to a Desjardins Insurance representative.

Make an inventory of your damaged property

  • The inventory should be room-by-room, giving complete descriptions of the damaged property.
  • The descriptions should include brand names, model numbers, age, purchase price and place of purchase.
  • Other information may be necessary on certain kinds of property.
  • For your future protection, make a detailed inventory of all your personal belongings. A photographic record of all items is also very valuable when it comes to settling claims.

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Reporting property damage is easy and stress-free.

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