{"id":339,"date":"2018-05-31T18:55:18","date_gmt":"2018-05-31T18:55:18","guid":{"rendered":"http:\/\/www.sinistre.com\/quoi-faire-en-cas-de-sinistre\/"},"modified":"2018-06-07T20:02:35","modified_gmt":"2018-06-07T20:02:35","slug":"what-to-do-in-a-disaster","status":"publish","type":"page","link":"https:\/\/www.sinistre.com\/en\/what-to-do-in-a-disaster\/","title":{"rendered":"What to do in a disaster"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; row_negative_margin=&#8221;disable_negative_margin&#8221; el_class=&#8221;quoi-faire-bg&#8221; z_index=&#8221;&#8221;][vc_column][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;left&#8221; css_animation=&#8221;&#8221; el_class=&#8221;assureurs-fleche-rouge-bg-mobile&#8221;][vc_column_inner][vc_single_image image=&#8221;174&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;grid&#8221; text_align=&#8221;left&#8221; row_negative_margin=&#8221;disable_negative_margin&#8221; css_animation=&#8221;&#8221; el_class=&#8221;quoi-faire-row&#8221;][vc_column_inner][vc_column_text]<\/p>\n<h2>What to do in a disaster<\/h2>\n<p>[\/vc_column_text][vc_single_image image=&#8221;61&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221; el_class=&#8221;assureurs-fleche-rouge&#8221;][vc_column_text el_class=&#8221;page-interieur-text&#8221;]<strong>Would you know what to do if a disaster occurred at your home? These 12 steps can help restore your peace of mind.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>Would you know what to do if a disaster occurred at your home? There are so many things to consider that you may feel overwhelmed. These 12 steps will help settle your claim and restore your peace of mind.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;grid&#8221; text_align=&#8221;left&#8221; row_negative_margin=&#8221;disable_negative_margin&#8221; css_animation=&#8221;&#8221; el_class=&#8221;premiere-heure-title&#8221;][vc_column_inner][vc_column_text el_class=&#8221;page-interieur-red-title&#8221;]<\/p>\n<h3>First Hours<\/h3>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;grid&#8221; text_align=&#8221;left&#8221; row_negative_margin=&#8221;disable_negative_margin&#8221; css_animation=&#8221;&#8221; el_class=&#8221;les-premieres-heures-row&#8221;][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text el_class=&#8221;page-interieur-text page-interieur-fake-ol&#8221;]<span class=\"fake-li\">1. Notify your insurer<\/span><br \/>\nContact your broker or insurer and detail the disaster to the best of your ability. If possible, have your policy number at hand.<\/p>\n<p>&nbsp;<\/p>\n<p><span class=\"fake-li\">2. Keep Damage to a Minimum<\/span><br \/>\nWhile you must take steps to limit or minimize damage, make no permanent repairs without consulting your insurer. Where possible, document the disaster with photos or video. If there is water damage, remove the water as quickly as possible to prevent mould. When disposing of water-damaged items, be sure to photograph and describe them for the claim. If there is a fire, do not enter the site unless authorized by the proper authorities.<\/p>\n<p>&nbsp;<\/p>\n<p><span class=\"fake-li\">3. Authorizing Emergency Work<\/span><br \/>\nEmergency work may be needed to prevent damage from worsening. You can hire a disaster restoration firm, or your insurer may suggest one and even send it to the site. However, before the work starts, be sure you understand what the firm does and how much it will cost.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text el_class=&#8221;page-interieur-text page-interieur-fake-ol&#8221;]<span class=\"fake-li\">4. Meeting with Your Claims Adjuster<\/span><br \/>\nThe insurer will assign an adjuster to settle your claim. The adjuster will guide you through the process, investigate the cause of the incident, estimate damages, and negotiate a settlement with you.<\/p>\n<p>&nbsp;<\/p>\n<p><span class=\"fake-li\">5. Determining the Scope of Your Coverage with the Claims Adjuster<\/span><br \/>\nThe claims adjuster will explain your policy\u2019s coverage and, where applicable, how to obtain an additional living allowance (if you need to leave your home, etc.). Keep all receipts for disaster-related expenses as they may be reimbursable.<\/p>\n<p>&nbsp;<\/p>\n<p>If you need to store household effects, carefully choose the ones you want to keep with you as it may be hard to gain access to them or find specific items in your boxes.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; el_class=&#8221;trucs-et-astuces-bg&#8221; z_index=&#8221;&#8221;][vc_column][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;grid&#8221; text_align=&#8221;left&#8221; css_animation=&#8221;&#8221; el_class=&#8221;trucs-et-astuces&#8221;][vc_column_inner][vc_column_text el_class=&#8221;page-interieur-white-title&#8221;]<\/p>\n<h3>Practical Tips<\/h3>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<ul>\n<li>Confirm with your insurer that your policy covers the emergency measures in question.<\/li>\n<li>Assess the situation before approving the demolition or replacement of certain materials, and keep samples of the ones to be replaced.<\/li>\n<li>Do not allow any of your property to be moved before doing an inventory and documenting its condition (recoverable, total loss, etc.).<\/li>\n<li>Know the facts before signing an assignment of claim (see our advice in the \u201cShould I sign an assignment of claim?\u201d box).<\/li>\n<li>Keep track of work done by the disaster restoration firm (for example, after a fire, the supplier may take your clothing to be cleaned though it might be better and cheaper to replace old clothes or wash them yourself). If your policy has restrictions (e.g., $15,000 maximum for basement water backup), you may have to make decisions about the use of your insurance benefit. Get a quote before the restoration is done, and inform the adjuster of your plans so a large part of your benefit is not used to clean your old clothes or restore things of little value.<\/li>\n<li>Note the team leader\u2019s name, the number of people on site, hours worked, and the emergency work conducted (see the Chambre de l\u2019assurance de dommages [ChAD] Claimant&#8217;s Checklist).<\/li>\n<li>Keep close track of the work. It\u2019s your home, after all\u2026<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; el_class=&#8221;le-deroulement-reglement-row&#8221; z_index=&#8221;&#8221;][vc_column][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;grid&#8221; text_align=&#8221;left&#8221; css_animation=&#8221;&#8221; el_class=&#8221;le-deroulement-reglement-title-row&#8221;][vc_column_inner][vc_column_text el_class=&#8221;page-interieur-red-title&#8221;]<\/p>\n<h3>Claim Settlement Process<\/h3>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;grid&#8221; text_align=&#8221;left&#8221; css_animation=&#8221;&#8221; el_class=&#8221;le-deroulement-reglement-content-row&#8221;][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text el_class=&#8221;page-interieur-text page-interieur-fake-ol&#8221;]<span class=\"fake-li\">6. Determining the Event\u2019s Cause<\/span><br \/>\nThis is done by the claims adjuster, who surveys the damage, confirms your initial statement of claim, and consults specialists if necessary. At the adjuster\u2019s request, you must provide information or documents to determine the event\u2019s cause. Based on the findings, the adjuster may confirm whether the claim is admissible under your policy.<\/p>\n<p>&nbsp;<\/p>\n<p><span class=\"fake-li\">7. Damage Estimate<\/span><br \/>\nThe claims adjuster must also estimate the damages and determine the benefit amount to be offered. The adjuster will sometimes be assisted by an appraiser or other specialists. However, it is up to you to fully document and support your claim, including an inventory of damaged, destroyed, or stolen items, with as much proof of possession as possible (invoices, photos, etc.). Indicate each item you wish to recover in the cleanup and those that seem irrecoverable (though only the adjuster can declare an asset a total loss).<\/p>\n<p>&nbsp;<\/p>\n<p>The sooner you submit the inventory, the faster your claim will be processed. Keep in mind that the insurer may reject your claim if it includes too many items or has items that are overvalued. Use the Personal Property Inventory template at chad.ca.<\/p>\n<p>&nbsp;<\/p>\n<p><span class=\"fake-li\">8. Choosing a Contractor<\/span><br \/>\nYou are free to choose a contractor to carry out repairs or to do them yourself. Insurers may also recommend suppliers with which they have existing agreements. Either way, the decision is yours. However, you must discuss it with the claims adviser when negotiating settlement terms, which may differ if you do the work yourself.<\/p>\n<p>&nbsp;<\/p>\n<p><span class=\"fake-li\">9. Authorizing the Work<\/span><br \/>\nReview work specifications while taking care to verify allocated amounts (e.g., for reconstruction and storage, items to be cleaned, repaired, and replaced, and time frames for doing so). Confirm everything with the adjuster and check whether your policy has a total indemnity envelope or fixed \u201cexpenditure items.\u201d If you have a coverage restriction, you may need to prioritize between repairs to your home and replacement of damaged items.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Should I sign an assignment of claim?<\/strong><br \/>\nThe restoration firm, contractor, or supplier may ask you to authorize an assignment of claim allowing the insurer to pay them directly for their work. You are under no obligation to sign this document. While assignment of claim makes it easier to pay suppliers, it can make it hard to track work expenses. To retain some control of your total payout, you can ask that the assignment of claim specify a maximum cost for work to be done. You can also require a signed letter of satisfaction before the last cheque is issued, or request that the insurer make the contractor\u2019s last cheque payable to both your names. This way, you can avoid signing a blank cheque with your assignment of claim and confirm that the work is done to your full satisfaction before final payment is made.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text el_class=&#8221;page-interieur-text page-interieur-fake-ol&#8221;]<span class=\"fake-li\">10. Negotiating a Settlement<\/span><br \/>\nWhen the claims adjuster has the damaged property inventory with the provenance and current replacement value of your assets, the adjuster can determine the settlement offer based on your policy\u2019s coverage, restrictions, and exclusions, including replacement or depreciated value.<\/p>\n<p>&nbsp;<\/p>\n<p>If you have replacement value coverage, your items will be repaired or replaced with new ones of the same type and quality even if the replacements cost more than the original. However, if you choose not to repair or replace certain items, the insurer will pay you based on the actual cash value of damaged items while accounting for depreciation.<\/p>\n<p>&nbsp;<\/p>\n<p>Before repairing, cleaning, or replacing your property, carefully review the settlement offer to make sure it\u2019s acceptable. If it is not, there is room to negotiate.<\/p>\n<p>&nbsp;<\/p>\n<p><span class=\"fake-li\">11. Benefit Payment and Deductible<\/span><br \/>\nBased on the extent of the damages, payments are made throughout the settlement process as contractor invoices are submitted. Be sure to tell your insurer whether you are satisfied with the work before it pays the contractor. If the damages do not exceed coverage limits, your deductible will be withheld from the indemnity or the insurer will ask you to pay it directly to the contractor.<\/p>\n<p>&nbsp;<\/p>\n<p><span class=\"fake-li\">12. Claiming the Deductible from a Liable Third Party<\/span><br \/>\nIf a third party is liable for damages, you may claim from said party reimbursement for your deductible and for damages not covered by your insurer. Remember that there are time limits for doing this. Ask the adjuster for more information and consult a lawyer if necessary. A Form Letter for this can be found at chad.ca.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; el_class=&#8221;saviez-vous-bg&#8221; z_index=&#8221;&#8221;][vc_column][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;grid&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner][vc_column_text el_class=&#8221;saviez-vous-title&#8221;]<\/p>\n<h3>Did you know?<\/h3>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;page-interieur-text&#8221;]The insurer must not only restore your property to its previous condition. It must also pay you within 60 days of receiving your claim, relevant information, and any other supporting documents it may have requested.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; el_class=&#8221;dernier-conseil-row&#8221; z_index=&#8221;&#8221;][vc_column width=&#8221;4\/12&#8243; el_class=&#8221;dernier-conseil-col&#8221;][vc_column_text el_class=&#8221;dernier-conseil-title&#8221;]<\/p>\n<h3>Last<br \/>\nadvice<\/h3>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;telechargez-guide&#8221;]Download the guide[\/vc_column_text][vc_single_image image=&#8221;76&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text el_class=&#8221;section-jaune-ontop-link&#8221;]<a href=\"\/wp-content\/uploads\/2018\/06\/guide-du-sinistre-en.pdf\">Last advice<\/a>[\/vc_column_text][\/vc_column][vc_column width=&#8221;5\/12&#8243; el_class=&#8221;guide-sinistre-col&#8221;][vc_column_text el_class=&#8221;page-interieur-red-title&#8221;]<\/p>\n<h3>Claimant\u2019s Handbook<\/h3>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;page-interieur-text&#8221;]To help you understand the claim settlement process and play an active role in it, conduct follow-ups, and maintain a reference guide on all necessary aspects, ChAD created the Claimant\u2019s Handbook. A word of advice: Read it at least once and keep a copy in your files in case you need it one day.[\/vc_column_text][\/vc_column][vc_column width=&#8221;3\/12&#8243; el_class=&#8221;dernier-conseil-img-col&#8221;][vc_single_image image=&#8221;292&#8243; img_size=&#8221;full&#8221; qode_css_animation=&#8221;&#8221;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; row_negative_margin=&#8221;disable_negative_margin&#8221; el_class=&#8221;quoi-faire-bg&#8221; z_index=&#8221;&#8221;][vc_column][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;left&#8221; css_animation=&#8221;&#8221; el_class=&#8221;assureurs-fleche-rouge-bg-mobile&#8221;][vc_column_inner][vc_single_image image=&#8221;174&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;grid&#8221; text_align=&#8221;left&#8221; row_negative_margin=&#8221;disable_negative_margin&#8221; css_animation=&#8221;&#8221; el_class=&#8221;quoi-faire-row&#8221;][vc_column_inner][vc_column_text] What to do in a disaster [\/vc_column_text][vc_single_image image=&#8221;61&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221; el_class=&#8221;assureurs-fleche-rouge&#8221;][vc_column_text el_class=&#8221;page-interieur-text&#8221;]Would you know what to do if&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"full_width.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-339","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What to do in a disaster - Service Sinistre Outaouais<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sinistre.com\/en\/what-to-do-in-a-disaster\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What to do in a disaster - Service Sinistre Outaouais\" \/>\n<meta property=\"og:description\" content=\"[vc_row css_animation=&#8221;&#8221; 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