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Start a claim in minutes
Open a home, condo, or tenant claim right from your phone and get step-by-step guidance through the process.
Follow three simple steps to make your claim easier
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Report the incident
Report the incident to TD Insurance within seven days and we'll start your claim and offer guidance.
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Tell us what happened
Let us know important matters such as weather conditions, or notes about the damage.
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Let us take over
Your dedicated TD Insurance advisor can provide any answers you don't find in the app.
Have a few details handy
Having this information available may help us guide you through the process more smoothly.
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Dates and incident information. Have the date and a brief description of the damage ready to help us get started faster.
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Details of what was damaged. Document the damage with photos or video if possible. Note what happened, when it occurred, and any conditions that may have contributed.
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Supporting documents and receipts Keep receipts, photos, appraisals, or manuals handy—especially for high‑value or recently purchased items.
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Police report if applicable If theft or vandalism is involved, you’ll need the police report number and officer details when submitting your claim.
Learn more about the home claims experience
Making a home insurance claim doesn’t have to be stressful. Here are some helpful tips to guide you.
Access our network of trusted vendors, so you can get back to normal life quickly.
Prepare yourself with our emergency prep list and get advice on how to make a plan in case of emergencies.
View our glossary of home insurance terms to help make your claims experience easier.
Home Claims Process
We help make your claims experience quick and simple. A dedicated TD Insurance Claims Advisor will confirm the details of your loss or damages, and if necessary, will arrange for emergency repairs and temporary accommodation.
Featured advice
Frequently asked questions
Your premiums are based on many factors, such as your claims history and where you live. So, while opening a new claim could lead to a premium increase, we’ll have a better idea of what your premium is closer to the renewal date. If you are concerned about your premiums rising after a claim, you may be interested in Claim Forgiveness.
Learn more about why your premiums might increase.
When moving to your new principal residence, we will cover the personal property you bring with you for up to 45 days from the moment you start moving; we also cover the same property in transit between two places in Canada.
However, we do not cover the new home automatically. You must get in touch with us to cover the new home and we will gladly suit your insurance needs to your new place.
If a tree falls and damages your home, related damages will be covered under your policy. The damage to the tree may be covered depending on your home insurance package.
Limits will apply if:
- The tree resides on your property.
Depending on what caused the tree to fall, coverage could include the cost to replace the tree itself and the cost of debris removal. Plus, if there’s resulting property damage, you will be able to make a claim for that. - The tree resides on a neighbour’s property.
If your neighbour’s tree falls on your property, you will be covered for debris removal and for any resulting damage it causes to your property. - The tree resides on property owned by the city.
If a tree owned by the city falls on your property, you should immediately contact the city to remove the debris. You may be covered for any resulting damage to your property. If you submit or have an open claim, your TD Insurance dedicated claims advisor can help provide more information.