If you need to file a claim following a loss, your insurer will require proof of the loss. This term refers to proof of possession, ideally, the original bill of sale. Other documents, however, may be accepted, such as:

Owner's manual/operating instructions Appraisals Warranty cards Credit card or bank account statements, etc.

A Proof of Loss form must be certified by a notary public or commissioner of oaths.

Once an insurer receives proof of loss, the claim must be processed quickly. Insurers have:

• Seven days to declare their intention to repair or replace the article, or to repair the damage
• 60 days to either pay compensation or reject the claim

If you make a claim, your claims advisor will need various documents, including:

Receipts Proof of ownership (such as photographs, user manuals, and warranties) A list of damaged property

If one of your appliances causes water damage or a fire, it's important for you to keep this appliance for assessment. An inventory of your belongings could help prevent headaches in the event of a claim. You need to file a police report in the following situations:

Theft or attempted theft Vandalism Fire If a vehicle hits your house

A police report is required for most home insurance claims.

The risks to property are many and varied: theft, fire and water damage, to name a few.
Your response depends on the type of loss you face, but here are some hints to get you started:

• Regardless of the type of loss, report it to your broker right away.
  The sooner we are aware of a claim, the better we can serve you or protect your interests;
• If theft or vandalism occurs, report the loss immediately to the police;
• If your property is damaged, do what you can to protect it from further damage. Reasonable expenses will be reimbursed
• Assemble any receipts, warranty documents and other proofs of ownership for lost or damaged property;
• Retain any receipts for expenses or replaced property.

You should contact the police if anyone is injured of the vehicles are not drivable. If there are no injuries and the vehicles are drivable there is no need for the police to attend. However, if the damage to your vehicle exceeds $2,000, you will need to report the collision to the nearest police station.

The easiest way is by either calling your broker or your insurance companies claim department!

1-866-464-2424 1-800-369-4053 1-866-692-8482

Tel: Fax: Email: 403-220-0228 403-220-0226 info@bbial.ca

Yes. Your insurance policy conditions require that you report these types of losses to the police.