{"id":15588,"date":"2014-10-07T14:14:40","date_gmt":"2014-10-07T18:14:40","guid":{"rendered":"https:\/\/www.assur360.ca\/disaster-emergency\/"},"modified":"2026-04-23T18:04:20","modified_gmt":"2026-04-23T22:04:20","slug":"disaster-emergency","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/disaster-emergency\/","title":{"rendered":"Disaster emergency \u2014 What to do and how to report in Quebec"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">A disaster always occurs at the wrong time. Whether it&#8217;s water damage at 3 a.m., a fire or theft, every hour counts. Acting quickly limits the damage, protects your rights and speeds up your compensation. At <strong>Assur360<\/strong>, our <strong>AMF-certified brokers<\/strong> guide you every step of the way \u2014 from reporting to the final settlement of your claim.   <\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Immediate danger to your life?<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">In case of immediate danger to your life or that of a loved one, <strong>call 911 first<\/strong>. Your safety comes before declaring it to your insurer. Only return to a damaged building when authorized by emergency services.  <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">24\/7 EMERGENCY<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Has a disaster just occurred?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our advisors will guide you immediately \u2014 declaration, procedures, rights. Don&#8217;t be alone with your insurer. <\/p>\n  <a href=\"tel:+18887271111\" style=\"background:#ef4444;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">\ud83d\udcde Call Now<\/a>\n<\/div>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/#The-5-most-common-types-of-claims-in-Quebec\" >The 5 most common types of claims in Quebec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/#What-to-do-in-the-first-24-hours-after-a-disaster\" >What to do in the first 24 hours after a disaster<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/#Reporting-deadlines-by-type-of-claim\" >Reporting deadlines by type of claim<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/#Information-to-prepare-before-calling-your-insurer\" >Information to prepare before calling your insurer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/#What-your-Assur360-broker-does-for-you-in-the-event-of-a-claim\" >What your Assur360 broker does for you in the event of a claim<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/#Frequently-Asked-Questions-About-Claims-and-Claims\" >Frequently Asked Questions About Claims and Claims<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-5-most-common-types-of-claims-in-Quebec\"><\/span>The 5 most common types of claims in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">Knowing the most common claims helps you react quickly and know which coverages to activate in your insurance policy.<\/p>\n\n<div class=\"a360-sim-link\" style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:14px;padding:28px;margin:32px 0;display:flex;gap:20px;align-items:center;flex-wrap:wrap;\">\n  <div style=\"font-size:48px;line-height:1;flex-shrink:0;\">\ud83d\udcb0<\/div>\n  <div style=\"flex:1;min-width:240px;\">\n    <div style=\"color:#10c4c7;font-size:12px;text-transform:uppercase;letter-spacing:2px;font-weight:700;margin-bottom:6px;\">FREE TOOL \u00b7 SIMULATOR<\/div>\n    <h3 style=\"color:#ffffff;font-size:20px;margin:0 0 6px;font-weight:800;\">How much do I really receive after a claim?<\/h3>\n    <p style=\"color:#94a3b8;font-size:14px;line-height:1.6;margin:0;\">After the emergency, simulate your compensation according to your home coverage (A\/B\/C\/D).<\/p>\n  <\/div>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/after-a-home-claim-how-much-do-i-really-receive-simulator-2026\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:14px;white-space:nowrap;\">Simulate my \u2192 file<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf0a<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Water damage<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Plumbing leaks, sewer backups, roof infiltrations \u2014 the most common loss in Quebec. Turn off the main water immediately and document before drying. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #ef4444;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd25<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Fire<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">From kitchen fires to structural fires, the damage can be total. Your insurance can cover the cost of temporary housing and the replacement of your belongings. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd13<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Theft and vandalism<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Intrusion, break-in or malicious acts. Report it to the police first to get a report number \u2014 essential for your claim. <\/p>\n  <\/div>\n<\/div>\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin:0 0 32px;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\ude9f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Glass breakage<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Windows, patio doors, built-in mirrors \u2014 often covered by a specific endorsement. Check to see if your policy includes &#8220;accidental breakage&#8221; coverage. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude97<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Damage to the vehicle<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Collision, bad weather, animal, vandalism \u2014 depending on your coverage (all-perils vs. collision only), the procedures vary. Report to the police if necessary. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-to-do-in-the-first-24-hours-after-a-disaster\"><\/span>What to do in the first 24 hours after a disaster<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">The first few hours are crucial. Here are the 6 steps to follow in order to protect your rights and maximize your compensation. <\/p>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Get to safety<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Evacuate if necessary, turn off the electricity or gas depending on the type of disaster, and call 911 if lives are in danger. Return to the site only when it is safe to do so. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Document BEFORE cleaning<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Take photos and videos of <strong>all the damage<\/strong> before touching anything. This documentation is your primary proof for the fitter. Don&#8217;t throw anything away \u2014 even debris has evidentiary value.  <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Notify your insurer or broker<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Contact your Assur360 broker or your insurer directly as soon as possible. Outside of business hours, most insurers have a 24\/7 emergency line. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Take emergency measures to limit the damage<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Your policy requires you to minimize additional damage. Cover a damaged roof, install a temporary pump, barricade a fractured driveway. Keep all the invoices for this emergency work.  <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Get a police report if applicable<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">For theft, trespassing or vandalism, a police report is mandatory for your claim. Report the incident as soon as possible to the neighborhood police station or online through your city&#8217;s police department. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">6<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Compile your claim file<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Gather insurance contracts, receipts, inventory of damaged property, before\/after photos and all emergency repair invoices. The more complete your file, the faster and fairer the compensation will be. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reporting-deadlines-by-type-of-claim\"><\/span>Reporting deadlines by type of claim<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">In Quebec, the reporting deadlines are governed by your insurance contract and by the <strong>Civil Code of Quebec<\/strong>. Comply with them to avoid compromising your right to compensation. <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Type of claim<\/th>\n<th style=\"padding:14px 16px;text-align:left;border:none;\">Max.<\/th>\n legal period<th style=\"padding:14px 16px;text-align:left;border:none;\">Recommended<\/th>\n time frame<th style=\"padding:14px 16px;text-align:left;border:none;\">Consequence of a delay<\/th>                        \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Water<\/td>\n damage<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">According to contract (usually 30 days)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">Within 24 hours<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">Refusal if damage aggravated by inaction<\/td>                        \n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Fire<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">3 years (civil statute of limitations)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">Immediately<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">Loss of evidence, difficulties in investigation<\/td>\n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Theft \/ vandalism<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">According to contract (often 5 working days)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">Within 24 to 48 hours<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">Claim denied if contractual deadline exceeded<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;font-weight:600;color:#0d1f2d;\">Motor vehicle<\/td>\n accident<td style=\"padding:12px 16px;color:#334155;\">3 years (civil statute of limitations)<\/td>\n<td style=\"padding:12px 16px;color:#10c4c7;font-weight:600;\">Within 48 hours<\/td>\n<td style=\"padding:12px 16px;color:#ef4444;\">Complication of the investigation, possible challenge<\/td>                        \n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Information-to-prepare-before-calling-your-insurer\"><\/span>Information to prepare before calling your insurer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">The more prepared you are on your first call, the faster the response will be. Here is the essential information to have on hand. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udccb<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Your insurance policy<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Policy number, insurer name, renewal date and coverage amounts. Have your certificate handy. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udcc5<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Date and time of the disaster<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Specify the exact time when the loss occurred or was discovered. This information is fundamental to the adjuster. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udccd<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Full address of the claim<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The exact address of the property or the place of the accident, with all useful details (apartment, floor, etc.).<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udcf8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Photos and videos<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Comprehensive visual documentation of damage. Include wide shots and close-ups, and timestamp your files if possible. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83e\uddfe<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">List of damaged property<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Make, model, year of purchase and estimated value of each damaged property. Purchase receipts expedite compensation. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\ude94<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Police report (if applicable)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Report number, name of police officer and district. Mandatory for theft, vandalism and some road accidents. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udcf1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Pro tip: Document BEFORE cleaning<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Your natural reflex will be to clean everything immediately.  <strong style=\"color:#ffffff;\">Resist this temptation.<\/strong>  Film each piece in continuous video before touching anything. This video evidence is often decisive in the settlement. Don&#8217;t throw away any damaged goods until the fitter has completed their inspection \u2014 even an old carpet soaked in water has proof value. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-your-Assur360-broker-does-for-you-in-the-event-of-a-claim\"><\/span>What your Assur360 broker does for you in the event of a claim<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">An insurance broker isn&#8217;t just there to sell policies \u2014 they&#8217;re your <strong>advocate when making a claim<\/strong>. Here&#8217;s how our AMF-certified brokers support you in practice. <\/p>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Reporting and opening the file<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Your broker contacts the insurer on your behalf, ensures that the statement is complete and correct, and opens the claim file within the required time frame. You avoid mistakes that could jeopardize your compensation. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Analysis of your coverage<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">They go through your policy in detail to identify all the coverages that apply to your situation \u2014 including any endorsements and coverages you may have missed. Some customers get thousands of dollars back more from this step. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Accompaniment during the inspection<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Your broker may be present during the visit of the insurer&#8217;s adjuster to ensure that all damages are properly listed and assessed at their fair value. He pleads in your favor if necessary. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Follow-up to final settlement<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">They follow up on the file, follow up with the insurer if delays exceed standards, and guide you if a decision needs to be challenged \u2014 until you receive fair and full compensation.<\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">AMF CERTIFIED<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Our brokers accompany you from declaration to settlement<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Don&#8217;t negotiate with your insurer alone. An Assur360 broker advocates for you every step of the way \u2014 at no additional cost to you. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/need-help-contact-assur360-now\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Talk to a broker<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-About-Claims-and-Claims\"><\/span>Frequently Asked Questions About Claims and Claims<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How long does it take to settle a claim in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The deadlines vary according to the complexity of the claim. A simple minor water damage can be fixed in 2 to 4 weeks. A major disaster (total fire, major flood) can take anywhere from 3 to 12 months. The Quebec Insurance Act requires the insurer to make a decision within a reasonable time once the file is complete. Your broker can speed up the process by actively following up.    <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I have to pay my deductible before I get reimbursed?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, the deductible (also known as deductible) is your personal contribution to the costs of the claim. It is deducted from the compensation paid by the insurer. For example, if your damage is assessed at $15,000 and your deductible is $1,000, you will receive $14,000. In some cases, if a third party is responsible for the claim, your insurer can recover the deductible from them.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I get it repaired before the fitter is inspected?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">You can \u2014 and should \u2014 make emergency repairs to prevent further damage (e.g., covering a leaky roof, installing a backup pump). However, for permanent repairs, wait for the insurer&#8217;s authorization or for the fitter to complete their inspection. Photograph everything before and after, and keep all the invoices for emergency work.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does my insurance cover the costs of temporary housing?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Most home insurance policies include coverage for &#8220;additional living expenses&#8221; or &#8220;temporary housing costs&#8221; when your home is uninhabitable due to a covered loss. The amounts vary (often 20% to 30% of the value of the building) and the durations are limited. Check with your policy or broker for the exact details of your coverage.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What should I do if my claim is denied?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Don&#8217;t resign yourself immediately. You have several options: 1) Ask for the refusal decision in writing with detailed reasons. 2) Dispute with the insurer&#8217;s claims department. 3) Consult your broker \u2014 they can intercede on your behalf. 4) File a complaint with the Autorit\u00e9 des march\u00e9s financiers (AMF). 5) As a last resort, consult a lawyer specializing in insurance law.     <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Will my insurance increase after a claim?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">It is possible, but not systematic. Insurers consider your claims history in their risk assessment. A first minor claim does not necessarily result in an increase in premium. On the other hand, several claims in a few years can have an impact. In some cases, the insurer may not even renew your policy. Your broker can advise you on whether to report a minor loss versus the potential impact on your premium.     <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Combien de temps faut-il pour r\u00e9gler un sinistre au Qu\u00e9bec ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Les d\u00e9lais varient selon la complexit\u00e9 du sinistre. Un simple d\u00e9g\u00e2t d'eau mineur peut \u00eatre r\u00e9gl\u00e9 en 2 \u00e0 4 semaines. Un sinistre majeur peut prendre de 3 \u00e0 12 mois. La Loi sur les assurances du Qu\u00e9bec oblige l'assureur \u00e0 statuer dans un d\u00e9lai raisonnable une fois le dossier complet.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Dois-je payer ma franchise avant d'\u00eatre rembours\u00e9 ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Oui, la franchise est votre participation personnelle aux frais du sinistre. Elle est d\u00e9duite de l'indemnisation vers\u00e9e par l'assureur. Par exemple, si vos dommages sont \u00e9valu\u00e9s \u00e0 15 000 $ et votre franchise est de 1 000 $, vous recevrez 14 000 $.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Puis-je faire r\u00e9parer avant l'inspection de l'ajusteur ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Vous pouvez effectuer des r\u00e9parations d'urgence pour pr\u00e9venir des dommages suppl\u00e9mentaires. Pour les r\u00e9parations permanentes, attendez l'autorisation de l'assureur. Photographiez tout et conservez toutes les factures des travaux d'urgence.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Mon assurance couvre-t-elle les frais de logement temporaire ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"La plupart des polices d'assurance habitation incluent une protection pour les frais de logement temporaire lorsque votre domicile est inhabitable suite \u00e0 un sinistre couvert. Les montants varient (souvent 20 % \u00e0 30 % de la valeur du b\u00e2timent).\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Que faire si ma r\u00e9clamation est refus\u00e9e ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Demandez la d\u00e9cision de refus par \u00e9crit, contestez aupr\u00e8s de l'assureur, consultez votre courtier, d\u00e9posez une plainte \u00e0 l'AMF, ou consultez un avocat sp\u00e9cialis\u00e9 en droit des assurances.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Mon assurance va-t-elle augmenter apr\u00e8s un sinistre ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"C'est possible mais pas syst\u00e9matique. Les assureurs consid\u00e8rent votre historique de r\u00e9clamations. Un premier sinistre mineur n'entra\u00eene pas n\u00e9cessairement une hausse. Votre courtier peut vous conseiller sur l'opportunit\u00e9 de d\u00e9clarer un sinistre mineur versus l'impact potentiel sur votre prime.\"\n      }\n    }\n  ]\n}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE SUPPORT<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Need help now?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Whether you&#8217;re in the middle of a claim or preparing a claim, our AMF-certified brokers guide you free of charge. An appeal can make all the difference in your compensation. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/need-help-contact-assur360-now\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Talk to a broker<\/a>\n  <a href=\"tel:+18887271111\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde Emergency call<\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A disaster always occurs at the wrong time. Whether it&#8217;s water damage at 3 a.m., a fire or theft, every hour counts. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":46306,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Urgence sinistre Qu\u00e9bec: AMF 24\/7 guide and broker","_seopress_titles_desc":"Sinister? Act fast. Our AMF-certified brokers guide you step by step: declaration, documentation, rights and compensation. Complete Guide 2026.   ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Disaster emergency \u2014 What to do and how to report in Quebec","_seopress_social_fb_desc":"Compare the best insurance offers in Quebec. AMF certified broker.  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Free quote in 3 minutes.","_seopress_social_twitter_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/og-comparateur-assurance-quebec.jpg","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-15588","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15588","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=15588"}],"version-history":[{"count":14,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15588\/revisions"}],"predecessor-version":[{"id":58719,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15588\/revisions\/58719"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/46306"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=15588"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}