Fire and smoke: What to do?

Your home was damaged by fire or smoke

Vérifiez votre couverture d'assurance groupe habitation en cas d'incendie.

Accident or loss?

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What to do in 6 steps



A fire in your home is probably one of the worst disasters that could strike, especially if it threatens the lives of your loved ones. You can count on us to help you get things back to normal as quickly as possible.

What to do first

  • Secure the premises, but don't take any risks (e.g., attempting to cut the power to avoid further damages)
  • For minor damage, air out smoky rooms
  • Make a list of damaged items and the damages to your home
  • Take photos of the damage

File a claim online
Call us

First contact with the claims department

(This call could take up to 30 minutes)

The claims department agent who takes your call will:

  • Take your full statement on the circumstances of the incident
  • Check your insurance coverage
  • If emergency repairs are needed, refer you to a recommended service provider near you (e.g., for emergency response, security and restoration services). Our network of recommended service providers guarantee our clients fast service and quality work
  • Tell you which documents to send in or which ones will be sent to you
  • Confirm the amount of your deductible
  • Give you your claim number

Your claim will be assigned to one of our claims advisors

Your claims advisor has the training and knowledge required to handle your claim and advise you throughout the process.

If your home is uninhabitable

Your claims advisor will explain the terms of relocation and additional living expenses (covering the extra cost of living away from home) under your insurance policy coverage.

Damage to the building

  • Contact one of the trusted contractors recommended by your claims advisor to get a detailed damage estimate
  • The contractor will send the estimate to your claims advisor along with photos of the damage
  • As soon as you receive authorization from your claims advisor, repair work can begin

Damaged or destroyed property

Send your claims advisor:

  • A list of damaged or destroyed property1 with an estimate for repairs or replacement
  • Proof of ownership such as receipts, photos, user manuals, warranties, original packaging or bank or credit card statements

Damage to the building

  • As soon as we receive the contractor's estimate and photos of the damage, your claims advisor can begin analyzing your claim
  • Your advisor will then contact you to authorize the start of repairs, according to the basis of settlement set out in your insurance policy

Damaged or destroyed property

  • Once we receive the required documents and information, your claims advisor can begin analyzing your claim
  • Your advisor will then contact you to arrange the settlement, according to the basis of settlement set out in your insurance policy
  • We'll send your settlement cheque as soon as possible after receiving all the required documents
  • Your claims advisor will confirm the amount of your deductible and who to pay it to

Damage to the building

  • Your claims advisor will explain how payment will be made and will issue a cheque for the amount of the damage
  • Make sure you're satisfied with the work—contact your claims advisor if you have any questions

Damaged or destroyed property

  • Your claims advisor will issue payment according to the basis of settlement set out in your insurance policy

Once all the payments have been made, your claim will be closed.

We hope your claim will be settled to your satisfaction.

Accident or loss?

Count on us 24/7—by phone or online

Find a recommended provider

Need help fast? Choose from our network of recommended providers. We take care of everything, and you get top quality service.


  • Emergency cleanup
  • Renovation


Reasons to choose a recommended provider

  • Work gets started sooner
  • Detailed work plan, so you can track progress
  • Five-year warranty on work
  • Efficient, professional service
  • The information provided on this page is meant for informational purposes only. Full details regarding coverage and exclusions can be found in the insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.
  • 1. The item that caused the damage is not covered by your insurance policy. Repairing or replacing the item is your responsibility (e.g., a leaking water heater).