How to Make a Home Insurance Claim

If your home has been broken into, follow these steps to proceed with your claim.

  1. Safety first! If you come home and find that it has been broken into, do not enter your home.
  2. Call the police immediately and wait somewhere safe.
  3. When it’s safe to enter, assess the damage and see what’s been stolen. Take pictures if possible and safe to do so.
  4. Contact us to report the incident (have your policy number and police report handy).
  5. If necessary, make emergency repairs and find temporary accommodations. We’ll work with you to make arrangements.
  6. Make a detailed inventory, describing the stolen property and damages. Take pictures or video if possible.
  7. Provide details of loss
    •   A TD Insurance claims representative will work with you to confirm the details of your loss
    •   You may be required to complete a Proof of Loss form and provide documents such as proof of ownership and original invoices to support your claim
  8. Provide documents such as proof of ownership and original invoices to support your claim. You may be required to complete a Proof of Loss form.

If your home has suffered damage due to fire, water, wind or hail, follow these steps to proceed with your claim.

  1. Safety first! Do not enter or remain in your home if it has been damaged by fire, is flooded while there is an electrical source, or wind and hail have damaged the stability of your roof. Go somewhere safe while you wait for authorities (fire department).
  2. Protect your property. Make sure you take steps to keep undamaged items safe. Turn off electrical or water sources to prevent further damage.
  3. Do not dispose of damaged personal property without notifying us first.
  4. Contact us to report the incident (have your policy number and police report handy).
  5. If necessary, make emergency repairs and find temporary accommodations. We’ll work with you to make arrangements.
  6. Make a detailed inventory, describing the damages to your home and property. Take pictures or video if possible.
  7. Provide details of loss.
    •   A TD Insurance claims representative will work with you to confirm the details of your loss
    •   You may be required to complete a Proof of Loss form and provide documents such as proof of ownership and original invoices to support your claim
  8. Provide documents such as proof of ownership and original invoices to support your claim. You may be required to complete a Proof of Loss form.
  9. Estimate the damages and begin reconstruction
    •   Consider using one of our preferred contractors or the contractor/professional of your choosing

Need help?
We can answer your questions, discuss coverage, guide you through the claims process and help you with repairs.

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