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.
Claim tool box
Report a claim
Start the simple process of reporting your claim here.
Reporting property damage is easy and stress-free.