After torrential rainfall dealt extensive damage across Quebec, insureds are scrambling to clean up their homes and businesses and start an insurance claim.
Here are some tips to share with clients on navigating their recovery and claims processes:
Inform your clients that reaching insurers might be challenging due to the high volume of claims being processed. Advise them to be persistent but patient. Encourage them to leave detailed messages if they cannot speak directly with a representative. Explain that insurers are well-equipped for such events but may take time to respond due to the influx of inquiries.
Educate your clients on the specifics of their insurance policies. Clarify that damages caused by internal factors, like plumbing issues, are generally covered under standard policies. However, damages from external sources such as sewer backups or roof leaks typically require additional coverage. Ensure your clients know exactly what their policies entail to avoid surprises during the claims process.
Stress the importance of thorough documentation to your clients. Advise them to take extensive photos and videos of the damage and to compile an itemized list of losses. This documentation will be vital for the claims process, especially if the claim is substantial and requires a visit from an insurance adjuster.
Advise your clients to begin cleanup efforts immediately to mitigate further damage. Suggest they document all damage and keep records of disposed items. Inform them of local municipal services that may assist in the disposal of flood-damaged items, like scheduled bulky item collection days, which can help streamline the cleanup process.
For clients who may lack comprehensive flood coverage, highlight the availability of financial aid through programs like Quebec’s General Disaster Financial Assistance Program. Guide them through the process of registering as a claimant with their municipality and coordinating with their insurance provider to access these resources.
Advise your clients on the steps to take if their vehicles have been affected by flooding. Suggest they evaluate the extent of the damage—if water has reached halfway up the tires, the vehicle may be considered a total loss. Remind them of the importance of documenting all damage for their insurance claims, particularly for modern vehicles with sensitive electronics.
Do you have additional tips or insights on handling flood-related issues for your clients? Share your experiences in the comments below.
