{"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":"2026-06-26T02:53:53","modified_gmt":"2026-06-26T06:53:53","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 DISASTER QUEBEC 2026<\/div>\n    <h1 style=\"font-size:44px;line-height:1.15;font-family:'Sora',sans-serif;margin:0 0 20px;font-weight:800;color:#ffffff;\"><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 d<\/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 insurance 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=\"Generate-Your-Personalized-Checklist\"><\/span>Generate Your Personalized Checklist<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"sub\">Select the type of claim you have just experienced. We will generate a list of steps to check off, along with deadlines to meet and useful contact numbers.<\/p><div class=\"chksin-field\"><label for=\"ck_type\">Type of Claim<\/label><select id=\"ck_type\"><option value=\"incendie_hab\">Fire \u2014 home<\/option><option value=\"degat_eau\">Water Damage \u2014 infiltration, backup, plumbing<\/option><option value=\"vol_hab\">Theft and Burglary \u2014 residence<\/option><option value=\"vandalisme\">Vandalism \u2014 residence or vehicle<\/option><option value=\"tempete\">Storm, hail, high winds, ice<\/option><option value=\"foudre\">Lightning or power surge<\/option><option value=\"accident_auto_resp\">Car Accident \u2014 you are at fault<\/option><option value=\"accident_auto_nonresp\">Car Accident \u2014 not at fault or hit and run<\/option><option value=\"vol_auto\">Theft of vehicle or its contents<\/option><option value=\"bris_vitre\">Glass Breakage \u2014 windshield<\/option><option value=\"entreprise\">Business Claim \u2014 any type<\/option><\/select><\/div><div class=\"chksin-field\"><label for=\"ck_region\">Region (optional)<\/label><input type=\"text\" id=\"ck_region\" placeholder=\"E.g. Montreal, Quebec, Laval \u2014 to display the right local contacts\"\/><\/div><button type=\"button\" class=\"chksin-btn\" onclick=\"chksinRun()\">Generate My Checklist \u2192<\/button><div class=\"chksin-results\" id=\"chksinResults\"><h3 id=\"ckTitle\">Your 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 steps completed<\/div><div class=\"chksin-section-title\">\ud83d\udea8 In the First Few Minutes<\/div><div id=\"ckImmediate\"><\/div><div class=\"chksin-section-title\">\u23f1 Within 24 to 48 Hours<\/div><div id=\"ck48h\"><\/div><div class=\"chksin-section-title\">\ud83d\udccb Within 7 Days<\/div><div id=\"ck7j\"><\/div><div class=\"chksin-section-title\">\ud83d\udcc2 Follow-Up and Compensation<\/div><div id=\"ckSuivi\"><\/div><div class=\"chksin-tips\" id=\"ckTips\"><\/div><div class=\"chksin-contacts\"><h4>Useful Contacts<\/h4><ul id=\"ckContacts\"><\/ul><\/div><div class=\"chksin-actions\"><button type=\"button\" onclick=\"window.print()\">\ud83d\udda8\ufe0f Print My Checklist<\/button><button type=\"button\" onclick=\"chksinReset()\">\u21ba Start Over<\/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 for Reference Only.<\/strong> The steps displayed are general best practices in Quebec. Your insurance policy, municipal authorities, and your insurance broker have authority over the exact requirements. Always check with your insurer before discarding, demolishing, or replacing anything.<\/p><div class=\"chksin-cta-res\"><a class=\"primary\" href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\">Open My Claim \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 insurance 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 an independent 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 Chamber of Insurance.<\/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 insurance 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\":\"What is the deadline for reporting my claim in Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Your insurance policy requires you to report as soon as possible. In practice, call your insurance broker or your insurer's claims line within 48 hours. A delay may result in a denial or reduction of compensation.\"}},\n{\"@type\":\"Question\",\"name\":\"Can I dispose of damaged property before the adjuster's visit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Keep all damaged items until the adjuster's assessment. The adjuster must be able to see the condition of the property to determine compensation.\"}},\n{\"@type\":\"Question\",\"name\":\"Should I call the police after a theft, vandalism, or hit-and-run?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. A police report is mandatory in almost all insurance policies for these cases. No report = denial of compensation. Note the event number.\"}},\n{\"@type\":\"Question\",\"name\":\"Who pays for emergency measures after a claim?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Reasonable emergency measures (tarping, water extraction, dehumidification) are reimbursed by your insurance. Keep all invoices.\"}},\n{\"@type\":\"Question\",\"name\":\"What is a proof of loss and when should it be submitted?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is a detailed and signed inventory of damaged property with values and proof of purchase. Article 2471 of the Civil Code of Quebec allows 60 days for submission.\"}},\n{\"@type\":\"Question\",\"name\":\"If my home is uninhabitable, who pays for the hotel and meals?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Most home insurance policies include additional living expenses: hotel, meals, childcare, transportation. Only the difference from your normal expenses is reimbursed.\"}},\n{\"@type\":\"Question\",\"name\":\"Can I choose my repair contractor after a claim?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Generally yes, but first obtain the insurer's approval on the contractor and the estimate. Some insurers offer an accredited network with a work guarantee.\"}},\n{\"@type\":\"Question\",\"name\":\"What should I do if the insurer denies or undervalues my compensation?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Request the reasons in writing. Your Assur360 broker negotiates on your behalf. You can also hire a public claims adjuster, contact the AMF, or the Ombudsman for property and casualty insurance, or take legal action (3-year limitation period).\"}}\n]}\n<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[\n{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Simulators\",\"item\":\"https:\/\/www.assur360.ca\/simulation\/\"},\n{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Interactive post-claim checklist\",\"item\":\"https:\/\/www.assur360.ca\/simulation\/checklist-post-sinistre\/\"}\n]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>\ud83e\udded FREE TOOL \u2014 DISASTER QUEBEC 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_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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