{"id":17961,"date":"2026-06-17T09:47:07","date_gmt":"2026-06-17T13:47:07","guid":{"rendered":"https:\/\/multi-risques.com\/trucs-et-conseils\/comment-faire-une-reclamation-dassurance-etape-par-etape\/"},"modified":"2026-06-17T10:17:28","modified_gmt":"2026-06-17T14:17:28","slug":"how-to-make-an-insurance-claim","status":"publish","type":"cke_blogue","link":"https:\/\/multi-risques.com\/en\/tips-and-advice\/how-to-make-an-insurance-claim\/","title":{"rendered":"How to Make an Insurance Claim Step by Step"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">After a disaster, do you feel overwhelmed by the steps you need to take? In addition to the stress caused by the event, filling an insurance claim can be a tedious procedure.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At Assurances Multi-Risques, we believe that a claim should not be a source of additional anxiety. As brokers, our role is to support you so that you can return to your daily life as quickly as possible.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This article includes a practical guide to help you handle the claims process with peace of mind.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step&nbsp;1&nbsp;: Notify your Broker or Insurer<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As soon as a loss occurs, notify your broker or insurance company. Whether it\u2019s a fire or a car accident, they will handle your situation and guide you through the emergency steps.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your broker is your first line of defense when it\u2019s time to <a href=\"https:\/\/multi-risques.com\/en\/make-a-claim\/\">make a claim.<\/a> Their role is to support and advise you throughout the process. They\u2019re there to listen to your side of the story and advocate for your interests. A broker will follow up with you, whereas if you deal directly with your insurer, you\u2019ll have to handle the process on your own.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 2: Minimize the Damage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You are responsible for minimizing further damage after an incident.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Home Insurance Claims:<\/strong> Turn off the water if needed. Move furniture to another room. Do not throw anything away before the adjuster\u2019s visit. Only discard damaged items if they pose a health hazard.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Auto claims: <\/strong>If possible, take photos of the accident scene and the damage to your vehicle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Always wait for authorization from your insurer before incurring major repair costs. Keep all invoices for emergency repairs or cleanup carefully.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 3: Opening and Reviewing the Claim File<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once you file the claim, your broker will review your insurance policy with you. They will confirm your coverage and check if a deductible applies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">He will then put you in touch with your insurer\u2019s claims department, and a claims adjuster will be assigned to your case. The adjuster\u2019s role will be to investigate the circumstances of the incident, assess the damage, and determine liability.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To process your claim effectively and reduce processing times, your insurer will need detailed information:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Explain the circumstances of the incident;<\/li>\n\n\n\n<li>Make a list of the damaged or stolen property;<\/li>\n\n\n\n<li>Gather all relevant documents (photos, receipts, invoices, police report, etc.)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Please note: <\/strong>Transparency is essential. Any incomplete or inaccurate information may result in your claim being denied.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 4: Evaluation and Settlement<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once the damage has been assessed, the claims adjuster will explain the options for repairing, replacing, or reimbursing the damaged property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your claim is approved, the insurer must generally pay you within 60 days of receiving your notice of claim or your supporting documents, if the insurer requests them.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As brokers, we\u2019re here to advocate for your interests throughout this process. We make sure everything goes well for the client until we close the claim file.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why should you work with an insurance broker when filing a claim?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you deal directly with the insurer, you\u2019ll have to handle everything from A to Z. You will probably need to call many times to get answers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At Assurances Multi-Risques, you\u2019re never on your own. We answer your questions and advocate for you in case of conflict. That\u2019s one less thing to worry about, right when you need it most.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In the event of a loss, your damage insurance broker is best positioned to advise you. They can weigh the pros and cons of filing a claim, especially if the amount of damage is less significant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Of course, every claim is different. The process may vary depending on the circumstances, but our team always gives your case the attention it deserves.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do you have questions about the claims process? We\u2019re here for you. Feel free to <a href=\"https:\/\/multi-risques.com\/en\/contact-us\/\">contact our brokers<\/a>!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"At Assurance Multi-Risques Insurance, we believe that an insurance claim should not be a source of additional anxiety. This article includes a practical guide to help you handle the claims process with peace of mind.","protected":false},"featured_media":17962,"template":"","cke_assurances_tax":[25,52,22,26,27,62,53,59,28],"cke_assurances_types":[65,66,67],"cke_post_display":[103,104,102],"class_list":["post-17961","cke_blogue","type-cke_blogue","status-publish","has-post-thumbnail","hentry","cke_assurances_tax-auto","cke_assurances_tax-coproprietaire","cke_assurances_tax-locataire","cke_assurances_tax-moto","cke_assurances_tax-motoneige","cke_assurances_tax-proprietaire","cke_assurances_tax-proprietaire-non-occuppant","cke_assurances_tax-residence-secondaire-et-residence-saisonniere","cke_assurances_tax-vehicule-recreatif","cke_assurances_types-personal","cke_assurances_types-home","cke_assurances_types-vehicle","cke_post_display-page-particulier","cke_post_display-page-habitation","cke_post_display-produit"],"acf":[],"mb":[],"mfb_rest_fields":["title"],"_links":{"self":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_blogue\/17961","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_blogue"}],"about":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/types\/cke_blogue"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media\/17962"}],"wp:attachment":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media?parent=17961"}],"wp:term":[{"taxonomy":"cke_assurances_tax","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_tax?post=17961"},{"taxonomy":"cke_assurances_types","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_types?post=17961"},{"taxonomy":"cke_post_display","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_post_display?post=17961"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}