{"id":58746,"date":"2026-04-21T17:23:56","date_gmt":"2026-04-21T21:23:56","guid":{"rendered":"https:\/\/www.assur360.ca\/assur360-simulators-free-tools-for-your-financial-decisions\/2026-interactive-disaster-recovery-checklist-steps-based-on-your-claim-assur360\/"},"modified":"2026-04-23T18:15:55","modified_gmt":"2026-04-23T22:15:55","slug":"2026-interactive-disaster-recovery-checklist-steps-based-on-your-claim-assur360","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/2026-interactive-disaster-recovery-checklist-steps-based-on-your-claim-assur360\/","title":{"rendered":"2026 Interactive Disaster Recovery Checklist \u2014 Steps Based on Your Claim | Assur360"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<section style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);color:#fff;padding:72px 24px;margin:0 -24px 40px;border-radius:0 0 24px 24px;\">\n  <div style=\"max-width:1080px;margin:0 auto;\">\n    <div style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:1.5px;margin-bottom:14px;\">\ud83e\udded FREE TOOL \u2014 SINISTRE QU\u00c9BEC 2026<\/div>\n    <h1 style=\"font-size:44px;line-height:1.15;font-family:'Sora',sans-serif;margin:0 0 20px;font-weight:800;\"><span class=\"ez-toc-section\" id=\"Interactive-post-disaster-checklist\"><\/span>Interactive post-disaster checklist<span class=\"ez-toc-section-end\"><\/span><\/h1>\n    <p style=\"font-size:19px;line-height:1.6;color:#cbd5e1;max-width:780px;margin:0 0 28px;\">What to do in the first few minutes, 48 hours and weeks following a <strong style=\"color:#fff;\">fire, water damage, theft, car accident<\/strong> or any other disaster. Generate a list of steps customized to your type of claim, with the legal deadlines and the right reflexes in Quebec. <\/p>\n    <div style=\"display:flex;gap:12px;flex-wrap:wrap;\">\n      <a href=\"#chksin-calc\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 28px;border-radius:10px;text-decoration:none;font-weight:700;font-family:'Sora',sans-serif;display:inline-block;\">Start my checklist\u2192<\/a>\n      <a href=\"tel:+18663574451\" style=\"background:transparent;color:#fff;border:2px solid #fff;padding:14px 26px;border-radius:10px;text-decoration:none;font-weight:700;font-family:'Sora',sans-serif;display:inline-block;\">\ud83d\udcde Disaster Emergency \u2014 1-866-357-4451<\/a>\n    <\/div>\n  <\/div>\n<\/section>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin:32px 0 40px;text-align:center;\">\n  <div><div style=\"color:#10c4c7;font-size:34px;font-weight:800;font-family:'Sora',sans-serif;\">~7 j<\/div><div style=\"color:#64748b;font-size:13px;\">Recommended average reporting time<\/div><\/div>\n  <div><div style=\"color:#10c4c7;font-size:34px;font-weight:800;font-family:'Sora',sans-serif;\">911<\/div><div style=\"color:#64748b;font-size:13px;\">in the event of a life-threatening emergency or fire<\/div><\/div>\n  <div><div style=\"color:#10c4c7;font-size:34px;font-weight:800;font-family:'Sora',sans-serif;\">24\/7<\/div><div style=\"color:#64748b;font-size:13px;\">Assur360 Claims Line<\/div><\/div>\n  <div><div style=\"color:#10c4c7;font-size:34px;font-weight:800;font-family:'Sora',sans-serif;\">AMF<\/div><div style=\"color:#64748b;font-size:13px;\">Certified brokers \u2014 comprehensive support<\/div><\/div>\n<\/div>\n\n<div style=\"background:#fef3c7;border-left:4px solid #f59e0b;border-radius:10px;padding:18px 22px;margin:0 0 32px;color:#78350f;font-size:14px;line-height:1.6;\">\n  <strong>\u26a0 Life-threatening, injured or in immediate danger:<\/strong> always call <strong>911<\/strong> first. This tool is an <strong>indicative guide<\/strong> and does not replace the instructions in your insurance policy, the directives of the authorities (fire, police, ambulance) or the advice of your broker or certified claims adjuster. Each claim is unique \u2014 check the exact requirements of your contract and contact your Assur360 broker for personalized support.  \n<\/div>\n\n<div id=\"chksin-calc\" class=\"chksin-wrap\"><style>.chksin-wrap{background:#f8fafc;border:1px solid #e2e8f0;border-radius:16px;padding:32px;margin:0 0 40px;font-family:'DM Sans',sans-serif;}\n.chksin-wrap h2{color:#0d1f2d;font-family:'Sora',sans-serif;font-size:24px;margin:0 0 8px;}\n.chksin-wrap p.sub{color:#64748b;font-size:14px;margin:0 0 22px;}\n.chksin-field{display:block;margin-bottom:16px;}\n.chksin-field label{display:block;color:#0d1f2d;font-weight:600;font-size:14px;margin-bottom:6px;}\n.chksin-field select, .chksin-field input[type=\"text\"]{width:100%;padding:13px 14px;border:1px solid #cbd5e1;border-radius:8px;font-size:15px;background:#fff;color:#0d1f2d;font-family:inherit;}\n.chksin-field select:focus, .chksin-field input:focus{outline:none;border-color:#10c4c7;box-shadow:0 0 0 3px rgba(16,196,199,.15);}\n.chksin-btn{background:#10c4c7;color:#0d1f2d;border:0;padding:14px 26px;border-radius:10px;font-weight:700;font-size:15px;cursor:pointer;font-family:'Sora',sans-serif;width:100%;margin-top:8px;}\n.chksin-btn:hover{background:#0ea5a7;}\n.chksin-results{margin-top:28px;background:#0d1f2d;color:#fff;border-radius:14px;padding:28px;display:none;}\n.chksin-results.show{display:block;}\n.chksin-results h3{color:#10c4c7;font-family:'Sora',sans-serif;font-size:22px;margin:0 0 6px;}\n.chksin-results .subtitle{color:#94a3b8;font-size:14px;margin:0 0 16px;}\n.chksin-progress{background:rgba(255,255,255,.08);border-radius:999px;height:10px;margin:14px 0 22px;overflow:hidden;}\n.chksin-progress .bar{background:linear-gradient(90deg,#10c4c7,#34d399);height:100%;width:0;transition:width .35s ease;}\n.chksin-step{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08);border-radius:10px;padding:14px 18px;margin-bottom:10px;display:flex;gap:14px;align-items:flex-start;transition:opacity .2s, background .2s;}\n.chksin-step.done{opacity:.55;background:rgba(16,196,199,.08);}\n.chksin-step.done .label{text-decoration:line-through;}\n.chksin-step .num{flex-shrink:0;width:30px;height:30px;border-radius:50%;background:#10c4c7;color:#0d1f2d;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:14px;font-family:'Sora',sans-serif;}\n.chksin-step input[type=\"checkbox\"]{width:20px;height:20px;accent-color:#10c4c7;cursor:pointer;margin-top:3px;flex-shrink:0;}\n.chksin-step .body{flex:1;}\n.chksin-step .label{font-weight:600;font-size:15px;color:#fff;display:block;margin-bottom:4px;cursor:pointer;}\n.chksin-step .detail{color:#cbd5e1;font-size:13px;line-height:1.5;}\n.chksin-step .urg{display:inline-block;font-size:11px;font-weight:700;padding:3px 9px;border-radius:999px;margin-top:8px;letter-spacing:.3px;}\n.chksin-urg-now{background:#ef4444;color:#fff;}\n.chksin-urg-24{background:#f59e0b;color:#0d1f2d;}\n.chksin-urg-48{background:#10c4c7;color:#0d1f2d;}\n.chksin-urg-7j{background:#6366f1;color:#fff;}\n.chksin-urg-suivi{background:#64748b;color:#fff;}\n.chksin-section-title{font-family:'Sora',sans-serif;color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:1px;text-transform:uppercase;margin:22px 0 10px;}\n.chksin-tips{background:rgba(245,158,11,.12);border-left:3px solid #f59e0b;border-radius:8px;padding:14px 18px;margin:20px 0 0;font-size:13px;line-height:1.6;color:#fde68a;}\n.chksin-tips strong{color:#fbbf24;}\n.chksin-contacts{background:rgba(16,196,199,.08);border:1px solid rgba(16,196,199,.3);border-radius:10px;padding:16px 18px;margin:18px 0 0;}\n.chksin-contacts h4{color:#10c4c7;font-family:'Sora',sans-serif;margin:0 0 8px;font-size:14px;letter-spacing:.5px;text-transform:uppercase;}\n.chksin-contacts ul{margin:0;padding:0;list-style:none;color:#cbd5e1;font-size:13px;line-height:1.8;}\n.chksin-cta-res{margin-top:22px;display:flex;gap:10px;flex-wrap:wrap;}\n.chksin-cta-res a{flex:1;min-width:200px;text-align:center;padding:14px 18px;border-radius:10px;font-weight:700;text-decoration:none;font-family:'Sora',sans-serif;}\n.chksin-cta-res a.primary{background:#10c4c7;color:#0d1f2d;}\n.chksin-cta-res a.sec{border:2px solid #fff;color:#fff;}\n.chksin-actions{display:flex;gap:10px;margin-top:16px;flex-wrap:wrap;}\n.chksin-actions button{background:transparent;border:1px solid rgba(255,255,255,.25);color:#fff;padding:10px 16px;border-radius:8px;font-size:13px;cursor:pointer;font-family:inherit;}\n.chksin-actions button:hover{background:rgba(255,255,255,.06);}\n@media (max-width:680px){.chksin-wrap{padding:20px;}.chksin-results{padding:20px;}}\n@media print{.chksin-actions,.chksin-cta-res,.chksin-btn{display:none!important;}.chksin-results{background:#fff!important;color:#000!important;}.chksin-results h3,.chksin-section-title{color:#0d1f2d!important;}.chksin-step{background:#f8fafc!important;color:#000!important;}.chksin-step .label,.chksin-step .detail{color:#000!important;}}\n<\/style><h2><span class=\"ez-toc-section\" id=\"Generez-votre-checklist-personnalisee\"><\/span>G\u00e9n\u00e9rez votre checklist personnalis\u00e9e<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"sub\">S\u00e9lectionnez le type de sinistre que vous venez de subir. Nous g\u00e9n\u00e9rons la liste des \u00e9tapes \u00e0 cocher, avec les d\u00e9lais \u00e0 respecter et les num\u00e9ros utiles.<\/p><div class=\"chksin-field\"><label for=\"ck_type\">Type de sinistre<\/label><select id=\"ck_type\"><option value=\"incendie_hab\">Incendie \u2014 habitation<\/option><option value=\"degat_eau\">D\u00e9g\u00e2t d&#8217;eau \u2014 infiltration, refoulement, plomberie<\/option><option value=\"vol_hab\">Vol et cambriolage \u2014 r\u00e9sidence<\/option><option value=\"vandalisme\">Vandalisme \u2014 r\u00e9sidence ou v\u00e9hicule<\/option><option value=\"tempete\">Temp\u00eate, gr\u00eale, vents violents, verglas<\/option><option value=\"foudre\">Foudre ou surtension \u00e9lectrique<\/option><option value=\"accident_auto_resp\">Accident d&#8217;auto \u2014 vous \u00eates responsable<\/option><option value=\"accident_auto_nonresp\">Accident d&#8217;auto \u2014 non responsable ou d\u00e9lit de fuite<\/option><option value=\"vol_auto\">Vol de v\u00e9hicule ou de son contenu<\/option><option value=\"bris_vitre\">Bris de vitre \u2014 pare-brise<\/option><option value=\"entreprise\">Sinistre en entreprise \u2014 tout type<\/option><\/select><\/div><div class=\"chksin-field\"><label for=\"ck_region\">R\u00e9gion (optionnel)<\/label><input type=\"text\" id=\"ck_region\" placeholder=\"Ex. Montr\u00e9al, Qu\u00e9bec, Laval \u2014 pour afficher les bons contacts locaux\"\/><\/div><button type=\"button\" class=\"chksin-btn\" onclick=\"chksinRun()\">G\u00e9n\u00e9rer ma checklist \u2192<\/button><div class=\"chksin-results\" id=\"chksinResults\"><h3 id=\"ckTitle\">Votre checklist<\/h3><div class=\"chksin-progress\"><div class=\"bar\" id=\"ckBar\"><\/div><\/div><div id=\"ckProgressLabel\" style=\"color:#94a3b8;font-size:13px;margin:0 0 18px;\">0 \/ 0 \u00e9tapes compl\u00e9t\u00e9es<\/div><div class=\"chksin-section-title\">\ud83d\udea8 Dans les premi\u00e8res minutes<\/div><div id=\"ckImmediate\"><\/div><div class=\"chksin-section-title\">\u23f1 Dans les 24 \u00e0 48 heures<\/div><div id=\"ck48h\"><\/div><div class=\"chksin-section-title\">\ud83d\udccb Dans les 7 jours<\/div><div id=\"ck7j\"><\/div><div class=\"chksin-section-title\">\ud83d\udcc2 Suivi et indemnisation<\/div><div id=\"ckSuivi\"><\/div><div class=\"chksin-tips\" id=\"ckTips\"><\/div><div class=\"chksin-contacts\"><h4>Contacts utiles<\/h4><ul id=\"ckContacts\"><\/ul><\/div><div class=\"chksin-actions\"><button type=\"button\" onclick=\"window.print()\">\ud83d\udda8\ufe0f Imprimer ma checklist<\/button><button type=\"button\" onclick=\"chksinReset()\">\u21ba Recommencer<\/button><\/div><p style=\"color:#cbd5e1;font-size:12px;line-height:1.6;margin:20px 0 0;padding:14px 18px;background:rgba(245,158,11,.12);border-radius:8px;border-left:3px solid #f59e0b;\">\u26a0 <strong style=\"color:#fbbf24;\">Guide indicatif seulement.<\/strong> Les \u00e9tapes affich\u00e9es sont des bonnes pratiques g\u00e9n\u00e9rales au Qu\u00e9bec. Votre police d&#8217;assurance, les autorit\u00e9s municipales et votre courtier ont autorit\u00e9 sur les exigences exactes. Toujours v\u00e9rifier avec votre assureur avant de jeter, d\u00e9molir ou remplacer quoi que ce soit.<\/p><div class=\"chksin-cta-res\"><a class=\"primary\" href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\">Ouvrir ma d\u00e9claration \u2192<\/a><a class=\"sec\" href=\"tel:+18663574451\">1-866-357-4451<\/a><\/div><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-5-golden-reflexes-after-a-disaster\"><\/span>The 5 golden reflexes after a disaster<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin:24px 0;\">\n  <div style=\"background:#ffffff;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:22px;\">\n    <div style=\"font-size:30px;margin-bottom:10px;\">\ud83d\udedf<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">1. Secure<\/h3>\n    <p style=\"color:#334155;font-size:13px;line-height:1.6;margin:0;\">People first. Dial <strong>911<\/strong> for any injuries, fires, intruders or structural hazards. Evacuate if necessary.  <\/p>\n  <\/div>\n  <div style=\"background:#ffffff;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:22px;\">\n    <div style=\"font-size:30px;margin-bottom:10px;\">\ud83d\udcf8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">2. Document<\/h3>\n    <p style=\"color:#334155;font-size:13px;line-height:1.6;margin:0;\">Photos and videos <strong>before any cleaning<\/strong>. Capture the whole, the details, the damaged goods from several angles. <\/p>\n  <\/div>\n  <div style=\"background:#ffffff;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:22px;\">\n    <div style=\"font-size:30px;margin-bottom:10px;\">\ud83d\udea7<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">3. Mitigate<\/h3>\n    <p style=\"color:#334155;font-size:13px;line-height:1.6;margin:0;\">Take <strong>reasonable emergency measures<\/strong> (tarp, turn off the water, extract the water) to prevent aggravation. Legal obligation. <\/p>\n  <\/div>\n  <div style=\"background:#ffffff;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:22px;\">\n    <div style=\"font-size:30px;margin-bottom:10px;\">\ud83d\udcde<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">4. Report quickly<\/h3>\n    <p style=\"color:#334155;font-size:13px;line-height:1.6;margin:0;\">Call your broker or insurer <strong>as soon as possible<\/strong>, ideally within 48 hours. Note the file number. <\/p>\n  <\/div>\n  <div style=\"background:#ffffff;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:22px;\">\n    <div style=\"font-size:30px;margin-bottom:10px;\">\ud83d\uddc3\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">5. Don&#8217;t throw anything away<\/h3>\n    <p style=\"color:#334155;font-size:13px;line-height:1.6;margin:0;\">Keep <strong>all damaged property<\/strong> until the expert visits, even if they appear to be unsalvageable. Keep all emergency expense invoices. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Legal-and-contractual-deadlines-to-be-respected\"><\/span>Legal and contractual deadlines to be respected<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:24px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;background:#fff;border:1px solid #e2e8f0;border-radius:10px;overflow:hidden;\">\n    <thead><tr style=\"background:#0d1f2d;color:#fff;\">\n      <th style=\"padding:14px;text-align:left;font-family:'Sora',sans-serif;font-size:14px;\">Approach<\/th>\n<th style=\"padding:14px;text-align:left;font-family:'Sora',sans-serif;font-size:14px;\">Typical<\/th>\n Timeline<th style=\"padding:14px;text-align:left;font-family:'Sora',sans-serif;font-size:14px;\">Base<\/th>            \n    <\/tr><\/thead>\n    <tbody style=\"font-size:14px;color:#334155;\">\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:14px;\">Report the claim to your insurer<\/td><td style=\"padding:14px;\"><strong>as soon as possible<\/strong> (ideal: 48 hours)<\/td><td style=\"padding:14px;\">Insurance policy (contract)<\/td><\/tr>\n      <tr><td style=\"padding:14px;\">Police Report (Theft, Vandalism, Hit-and-Run)<\/td><td style=\"padding:14px;\"><strong>Immediate<\/strong><\/td><td style=\"padding:14px;\">Police Law and Condition<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:14px;\">Produce proof of loss (inventory) to the insurer<\/td><td style=\"padding:14px;\"><strong>60 days<\/strong> after the loss<\/td><td style=\"padding:14px;\">Art. 2471 C.C.Q.<\/td><\/tr>\n      <tr><td style=\"padding:14px;\">Automobile accident report (SAAQ form)<\/td><td style=\"padding:14px;\">As soon as possible<\/td> Highway <td style=\"padding:14px;\">Safety Code<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:14px;\">Action for indemnity against the insurer (prescription)<\/td><td style=\"padding:14px;\"><strong>3 years<\/strong><\/td><td style=\"padding:14px;\">Art. 2925 C.C.Q.<\/td><\/tr>\n      <tr><td style=\"padding:14px;\">Recourse against a third party liable<\/td><td style=\"padding:14px;\"><strong>3 years Art<\/strong><\/td><td style=\"padding:14px;\">. 2925 C.C.Q.<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:22px 26px;margin:24px 0;\">\n  <h3 style=\"color:#991b1b;font-family:'Sora',sans-serif;font-size:18px;margin:0 0 12px;\">\ud83d\udeab 7 mistakes that can reduce your compensation<\/h3>\n  <ol style=\"color:#7f1d1d;font-size:14px;line-height:1.8;margin:0;padding-left:24px;\">\n    <li><strong>Throwing away damaged property<\/strong> before the expert comes by (breaking the appraisal link).<\/li>\n    <li><strong>Failure to mitigate damage<\/strong> (legal obligation \u2014 aggravation not covered).<\/li>\n    <li><strong>Late declarations or omissions<\/strong> (history, amendments, undisclosed commercial use).<\/li>\n    <li><strong>Signing the final release<\/strong> without understanding what you are renouncing to claim.<\/li>\n    <li><strong>Forget about living expenses<\/strong> if the accommodation is uninhabitable (meals, motel, daycare) \u2014 reimbursable.<\/li>\n    <li><strong>Verbally accept<\/strong> an amount of compensation without detailed writing.<\/li>\n    <li><strong>Begin permanent repairs<\/strong> prior to insurer approval.<\/li>\n  <\/ol>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-reporting-a-claim\"><\/span>Frequently asked questions about reporting a claim<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:24px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:8px;\"><summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-family:'Sora',sans-serif;\">How long do I have to report my claim?<\/summary><div style=\"padding:16px 20px;color:#334155;font-size:14px;line-height:1.7;\">Quebec law does not impose a specific time limit in days, but your insurance policy requires a declaration <strong>as soon as possible<\/strong>. In practice, call your broker or your insurer&#8217;s claims line <strong>within 48 hours<\/strong>. Late reporting may result in a denial or reduction in compensation, especially if the delay has aggravated the damage or prevented the investigation.  <\/div><\/details>\n\n  <details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:8px;\"><summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-family:'Sora',sans-serif;\">Can I throw away damaged goods before the expert&#8217;s visit?<\/summary><div style=\"padding:16px 20px;color:#334155;font-size:14px;line-height:1.7;\">No. Keep <strong>anything damaged<\/strong> until the adjuster&#8217;s assessment, even if it smells bad, even if it&#8217;s soaked. The expert must be able to ascertain the condition of the property in order to establish compensation. If an item is dangerous (burnt appliances, moldy furniture at risk of contamination), take photos from several angles before removing it, and document the reason.  <\/div><\/details>\n\n  <details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:8px;\"><summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-family:'Sora',sans-serif;\">Should I call the police after a theft or vandalism?<\/summary><div style=\"padding:16px 20px;color:#334155;font-size:14px;line-height:1.7;\">Yes. A <strong>police report is mandatory<\/strong> in almost all insurance policies for theft, vandalism, break and enter, vehicle theft and hit-and-run. No report = refusal of compensation. Call <strong>911<\/strong> if the perpetrators are still on site or recent, otherwise your police service&#8217;s non-emergency line. Write down the event number (this is the reference to be sent to the insurer).   <\/div><\/details>\n\n  <details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:8px;\"><summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-family:'Sora',sans-serif;\">Who pays for the emergency measures (tarpaulin, water extraction, dehumidification)?<\/summary><div style=\"padding:16px 20px;color:#334155;font-size:14px;line-height:1.7;\">These <strong>precautionary measures are reimbursed by your insurance<\/strong>, provided that they are reasonable and aim to avoid aggravation of the damage. Keep <strong>all invoices<\/strong>. If it is urgent (night, weekend), you can proceed without waiting for formal authorization. However, avoid permanent repairs before approval.   <\/div><\/details>\n\n  <details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:8px;\"><summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-family:'Sora',sans-serif;\">What is proof of loss and when do I need to produce it?<\/summary><div style=\"padding:16px 20px;color:#334155;font-size:14px;line-height:1.7;\">Proof of loss is the <strong>detailed and signed inventory<\/strong> of the damaged goods with values, age, proof of purchase. Article 2471 of the Civil Code of Qu\u00e9bec gives you <strong>60 days<\/strong> from the date of the loss to file it. Your claims adjuster or Assur360 broker will help you prepare for the process\u2014it&#8217;s a step where the adjuster pays off.  <\/div><\/details>\n\n  <details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:8px;\"><summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-family:'Sora',sans-serif;\">If my accommodation is uninhabitable, who pays for the hotel and meals?<\/summary><div style=\"padding:16px 20px;color:#334155;font-size:14px;line-height:1.7;\">Most home insurance policies include <strong>additional living expenses<\/strong> : hotel or temporary apartment, restaurant meals, daycare fees, parking, laundry, additional transportation. Only the <strong>difference<\/strong> from your normal expenses is reimbursed. Keep <strong>all invoices<\/strong> and keep a journal of expenses.  <\/div><\/details>\n\n  <details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:8px;\"><summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-family:'Sora',sans-serif;\">Can I choose my repair contractor?<\/summary><div style=\"padding:16px 20px;color:#334155;font-size:14px;line-height:1.7;\">In general, yes, but <strong>first get the insurer&#8217;s approval<\/strong> on the contractor and the estimate. Some insurers offer a network of accredited contractors (faster process, work guarantee). If you choose yours, ask for a detailed quote and have it validated before signing. Never pay cash without a receipt.   <\/div><\/details>\n\n  <details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:8px;\"><summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-family:'Sora',sans-serif;\">What should I do if the insurer refuses or undervalues my compensation?<\/summary><div style=\"padding:16px 20px;color:#334155;font-size:14px;line-height:1.7;\">You have several recourses. First, ask in writing the reasons for the refusal and the policy items invoked. Your <strong>Assur360 broker trades on your behalf<\/strong> \u2014 this is one of the main benefits of going through a broker rather than a captive agent. You can also appoint a <strong>public claims adjuster<\/strong> (paid by you, generally 10-15% of the settlement), file a complaint with the <a href=\"https:\/\/lautorite.qc.ca\/\" target=\"_blank\" rel=\"noopener\">AMF<\/a>, refer the matter to the <strong>Ombudsman<\/strong>, or take legal action (3-year statute of limitations).   <\/div><\/details>\n<\/div>\n\n<div style=\"background:#f0fdfa;border:1px solid #99f6e4;border-radius:12px;padding:26px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:18px;margin:0 0 14px;\">Why use Assur360 for your claim<\/h3>\n  <ul style=\"list-style:none;padding:0;margin:0;color:#334155;font-size:14px;line-height:1.9;\">\n    <li>\u2705 <strong>AMF certified brokers<\/strong> \u2014 we represent your interests, not those of the insurer<\/li>\n    <li>\u2705 <strong>Claims support<\/strong> \u2014 from declaration to release, we are at your side<\/li>\n    <li>\u2705 <strong>100,000+ clients<\/strong> in Quebec \u2014 experience with all major insurers (Intact, Beneva, Desjardins, Wawanesa, Travelers, etc.)<\/li>\n    <li>\u2705 <strong>24\/7 Sinister Line<\/strong> \u2014 a knowledgeable human responds and triggers your case immediately<\/li>\n    <li>\u2705 <strong>No additional costs<\/strong> \u2014 our compensation comes from the insurer, not from you<\/li>\n    <li>\u2705 <strong>Settlement negotiation<\/strong> \u2013 if the offer is insufficient, we will challenge the evaluation with you<\/li>\n  <\/ul>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"A-disaster-in-Quebec-Talk-to-an-Assur360-broker-right-away\"><\/span>A disaster in Quebec? Talk to an Assur360 broker right away <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);color:#fff;padding:36px;border-radius:14px;margin:24px 0;text-align:center;\">\n  <h3 style=\"color:#10c4c7;font-family:'Sora',sans-serif;font-size:22px;margin:0 0 10px;\">Don&#8217;t be alone in the face of a disaster<\/h3>\n  <p style=\"color:#cbd5e1;font-size:15px;margin:0 0 22px;max-width:640px;margin-left:auto;margin-right:auto;line-height:1.6;\">An Assur360 broker opens your file, mobilizes the right experts (emergency plumber, disaster cleaner, contractor) and guides you every step of the way \u2014 from the first photo to the final release.<\/p>\n  <div style=\"display:flex;gap:12px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 28px;border-radius:10px;text-decoration:none;font-weight:700;font-family:'Sora',sans-serif;\">Report my claim\u2192<\/a>\n    <a href=\"tel:+18663574451\" style=\"background:transparent;color:#fff;border:2px solid #fff;padding:12px 26px;border-radius:10px;text-decoration:none;font-weight:700;font-family:'Sora',sans-serif;\">\ud83d\udcde 1-866-357-4451<\/a>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Additional-tools-and-resources\"><\/span>Additional tools and resources<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:24px 0;\">\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:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:22px;text-decoration:none;display:block;\">\n    <div style=\"font-size:28px;margin-bottom:10px;\">\ud83d\udca7<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:15px;margin:0 0 8px;\">Home Allowance Simulator<\/h3>\n    <p style=\"color:#334155;font-size:13px;margin:0;\">Estimate how much you will receive after a home loss.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:22px;text-decoration:none;display:block;\">\n    <div style=\"font-size:28px;margin-bottom:10px;\">\ud83d\udea8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:15px;margin:0 0 8px;\">24\/7 disaster emergency<\/h3>\n    <p style=\"color:#334155;font-size:13px;margin:0;\">Declaration form and direct line.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:22px;text-decoration:none;display:block;\">\n    <div style=\"font-size:28px;margin-bottom:10px;\">\ud83c\udfe0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:15px;margin:0 0 8px;\">Home insurance guide<\/h3>\n    <p style=\"color:#334155;font-size:13px;margin:0;\">Protections, deductibles, exclusions to be aware of.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:22px;text-decoration:none;display:block;\">\n    <div style=\"font-size:28px;margin-bottom:10px;\">\ud83e\udded<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:15px;margin:0 0 8px;\">All simulators<\/h3>\n    <p style=\"color:#334155;font-size:13px;margin:0;\">Back to the full list of Assur360 tools.<\/p>\n  <\/a>\n<\/div>\n\n<div style=\"background:#f1f5f9;border-left:4px solid #64748b;border-radius:8px;padding:18px 22px;margin:32px 0 0;color:#475569;font-size:12px;line-height:1.7;\">\n  <strong style=\"color:#0d1f2d;\">Legal Limitations and Warnings.<\/strong> This guide and its interactive checklist are general <strong>information<\/strong> provided by Assur360 to guide you after a disaster in Quebec. It does not replace the exact provisions of your insurance policy, the instructions of public authorities (firefighters, police, Urgence-Environnement, SAAQ), or the advice of a broker certified by the <a href=\"https:\/\/lautorite.qc.ca\/\" target=\"_blank\" rel=\"noopener\">Autorit\u00e9 des march\u00e9s financiers (AMF)<\/a> or a claims adjuster who is a member of <a href=\"https:\/\/chad.ca\/\" target=\"_blank\" rel=\"noopener\">the Chambre de l&#8217;assurance de dommages (ChAD).<\/a> The legal deadlines cited (Civil Code of Qu\u00e9bec, arts. 2471, 2925) are given for information purposes only \u2014 consult a lawyer for any specific situation. Mitigation, reporting, proof of loss and release obligations vary depending on the contract, the type of risk and the applicable jurisdiction. If in doubt, <strong>contact your Assur360 broker before making any irreversible decision<\/strong> (demolition, release, permanent repair).    \n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"Dans quel d\u00e9lai dois-je d\u00e9clarer mon sinistre au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Votre police d'assurance exige une d\u00e9claration dans les meilleurs d\u00e9lais. En pratique, appelez votre courtier ou la ligne de sinistre de votre assureur dans les 48 heures. Un retard peut entra\u00eener un refus ou une r\u00e9duction d'indemnit\u00e9.\"}},\n{\"@type\":\"Question\",\"name\":\"Puis-je jeter les biens endommag\u00e9s avant la visite de l'expert en sinistre ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Conservez tout ce qui est endommag\u00e9 jusqu'\u00e0 l'\u00e9valuation de l'expert. 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Conservez toutes les factures.\"}},\n{\"@type\":\"Question\",\"name\":\"Qu'est-ce qu'une preuve de perte et quand la produire ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"C'est l'inventaire d\u00e9taill\u00e9 et sign\u00e9 des biens endommag\u00e9s avec valeurs et preuves d'achat. L'article 2471 du Code civil du Qu\u00e9bec donne 60 jours pour la produire.\"}},\n{\"@type\":\"Question\",\"name\":\"Si mon logement est inhabitable, qui paie l'h\u00f4tel et les repas ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La plupart des polices habitation incluent les frais de subsistance suppl\u00e9mentaires : h\u00f4tel, repas, garderie, transport. 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Vous pouvez aussi mandater un expert en sinistre public, saisir l'AMF ou l'Ombudsman des assurances de dommages, ou intenter une action (prescription 3 ans).\"}}\n]}\n<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[\n{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Simulateurs\",\"item\":\"https:\/\/www.assur360.ca\/simulation\/\"},\n{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Checklist post-sinistre interactive\",\"item\":\"https:\/\/www.assur360.ca\/simulation\/checklist-post-sinistre\/\"}\n]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>\ud83e\udded FREE TOOL \u2014 SINISTRE QU\u00c9BEC 2026 Interactive post-disaster checklist What to do in the first few minutes, 48 hours and weeks [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":59138,"parent":58627,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Interactive Post-Disaster Checklist 2026 | Steps according to QC claim | Assur360","_seopress_titles_desc":"Fire, water damage, theft, car accident: generate your personalized checklist of steps to follow in Quebec. Legal deadlines, useful contacts, 100% free. 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