Steps to Follow in Case of Disaster
If you have been the victim of a disaster and don’t know what to do, our professionals – who work closely with insurers – recommend that you take the following steps.
- Contact your insurer or broker
Call your insurer or broker and let them know that you would like CRM Desjardins to assist you. We are familiar with the procedures and regulations of most insurers.
- A team arrives on the scene
Once we receive authorization from your insurer, an emergency team will be dispatched to the scene with a mission to secure the area and execute all the work required to prevent further damage.
- The assessment
The project manager will assess the damage using your insurer’s price list.
- Approval of the assessment
Your insurer will confirm approval of our assessment.
- List of work required
Your project manager will meet you to inform you of the work to execute and provide you with a written estimate.
The work dates will be marked in the agenda, and a copy of the completion timetable will be forwarded to you.
- Start of work
Your project manager will perform follow-up at every stage of the project as well as ensure that the established deadlines are met, while practicing quality control on the work executed.
- Follow-up and closing the file
Exclusively at CRM, login to our website to consult your file.
Tips to Simplify the Steps to Take in the Event of a Loss
You can never be too careful! Don’t wait until a loss occurs to take action. Put the chances on your side by practicing proper prevention. You’ll simplify your life in the event of a loss or even avoid one!
- Draw up an inventory of your personal property
It is vital to draw up a list of your personal property and furnishings, making sure to include photos to show your insurer when you file a claim. Most importantly, keep a copy of these documents outside of your home.
- Carefully read your insurance policy
When disaster strikes, the insured sometimes discover they’re not covered for a specific type of loss. Consult your insurer or broker to find out exactly what coverage you are entitled to under your insurance policy.
It is important to remove excess snow from your roof. Too much weight can cause water infiltration or a roof to collapse, and lead to structural damage.
- The water heater
Properly maintain your hot water heating tank by draining it once a year. Water heaters usually have a service life of 10 to 12 years.
- The chimney
Have the chimney cleaned to prevent the risk of fire.
- Check valve
Have a plumber install a check valve to reduce the risk of sewer backup.