Who should you call first if I have a loss?
Depending on the nature of the incident , or accident, call the authorities needed to assist you in an emergency: the police, the fire department, ambulance or hazardous materials team etc...
Then, call your insurance broker.
Your insurance broker works for you and will present the details of your theft to the insurance company and then they will act as your advocate to ensure that you get paid in full by the insurance company as soon as possible.
An independent insurance broker works for you – not the insurance company.
If you are a Front Row client, please contact one of our offices in Montreal, Toronto, Vancouver or Los Angeles during business hours.
You should be prepared to provide the following information:
- Date and time of Loss,
- What happened,
- Where did it happen,
- Names and phone numbers of persons to be contacted.
Most coverage’s have deductibles which are applied to each claim.
Is it possible to take immediate action to make repairs if further damage to the property is likely?
As long as the claim is covered, the reasonable cost of temporary repairs made to prevent further damage is money well-spent and, therefore, reimbursable, subject to all policy terms and conditions. Documentation in the form of bills, receipts and photographs should be retained in order to verify damages and repair costs.
If you don’t have insurance, it can be purchased on line 24 hours a day 7 days a week. $5,000 of gear costs $75 and covers you worldwide