What to do in the event of a loss caused by the historic rainfall?

Call us at 1 800 463-4800 or complete our online claim form.

1. We need details

If this hasn’t yet been done, our customer service team will send you an email to collect all the information our claims adjusters will need to assess the damage. A claims adjuster will not call or visit at this time. What you should do on your end:

• Send the damage form to courrier@lunique.qc.ca.
• Provide a list of your damaged goods.
• Take photos of the damage.

These actions are required to move on to the next step. If your damage involves your home or business, contact construction companies and ask for quotes.

2. We analyze your claim

A claims adjuster will analyze your file and assess the damage. Depending on the coverage indicated in your contract, they will determine what you’re entitled to.

Due to the exceptional situation, this step may take longer than usual.

3. You'll receive a clear answer

We’ll contact you to notify you about your reimbursement, if any. You’ll receive a cheque by mail or a deposit will be made in your bank account. Usually, the reimbursement is sent within 60 days of receiving all your supporting documents.

If you feel the need, your broker may advise you and help you make sound decisions based on the specific details of your contract.

However, it’s not obligatory to contact your broker since claims are processed by L'Unique General Insurance.

To file a claim, call us at 1 800 463-4800 or complete our online claim form.

Due to the historic rainfall on August 9 in Quebec, we are receiving more calls than usual. We understand that you would like to talk to someone right away. Our agents are working very hard to handle as many claims as possible and we have increased the number of employees taking calls.

You don’t need to contact us if you already submitted a claim. Rest assured that we will contact you as soon as there is a new development in your case.

We are making every effort to process these claims as quickly as possible.

This is due to the high volume of claims received in a short period of time. Measures were implemented to accelerate claim settlements and issue payments quickly, when applicable.

Due to the high volume of claims we’re receiving, it may take us a little longer than usual to follow up with you. Our teams are doing all that they can to process your file quickly, while complying with best insurance practices. Rest assured that we will contact you as soon as there is a new development in your case.

It usually takes 60 days to settle a home insurance claim. This period begins as soon as we receive all the information we need to start analyzing your case, including support documents and the damage report form. However, due to the exceptionally high number of claims to process at the moment, it may take longer than usual.

Not necessarily. To speed up the processing of claims, some files will be processed remotely by a claims adjuster. This can be done by analyzing your file with supporting documents and the damage report form you provided at our request.

Due to the high volume of claims to process, and to avoid any delays, we will not be suggesting any construction contractors.

Contact a contractor in your area to obtain a quote for the work required.

To avoid getting scammed, sign a contract with your contractor and make sure they have a licence from the Régie du bâtiment du Québec (RBQ).

If you wish, you can do the work yourself.

Remember, your broker can advise you at any time and help you make sound decisions based on the specific details of your contract.

• Submit photos rather than videos.
• Take a reasonable number of photos of the main damage.
• Your photos should show the damage and include wide-angle shots that show the full extent of the damage.
• Take photos of the main damaged items. We need a photo of each damaged item, but you can include more than one item in a single photo.
• Put photos in PDF files of up to 10 Mb maximum.

You should protect the building as much as possible and limit financial impacts incurred by the damage.

We recommend that you re-read your insurance contract to view your coverage and applicable limits.

We also recommend that you take photos of the damage to your buildings and contents, plus keep invoices as well as supporting documents for all expenses incurred.

Photos are essential for reviewing a claim file. They allow us to correctly identify the damage.

You can start the repair work in your home at any time, even if we haven’t contacted you yet. However, we cannot confirm the amount of your reimbursement, if applicable, until we receive your supporting documents and damage report form as well as analyze your file. Discuss it with our agent when they contact you.

Document as much of your case as possible by taking photos of the damage and keep a sample of each material.

You can ask a construction contractor for a repair quote and send it to us with photos. To avoid getting scammed, sign a contract with your contractor and make sure they have a licence from the Régie du bâtiment du Québec (RBQ).

We recommend you take this opportunity to have the water evacuation system inspected if you’ll be working on it. Check to make sure your non-return valve is working properly and that it complies with current municipal regulations.

Yes, it’s possible. You’re not obligated to hire a construction contractor to do the work. You can start on repair work in your home when you want.

For us to properly assess the work:

• Document everything by taking photos of damage, and include room dimensions. Our assessment will be based on the information you provide.
• Keep a sample of each damaged item.
• Keep invoices for materials purchases.

If you’re redoing the basement, we recommend using materials that won’t rot, such as waterproof or water-repellent floor coverings, and consider water-resistant insulation.

Regardless of the type of floor covering, you can remove the water-damaged section, taking care to minimize losses. You can get rid of materials but make sure to at least keep a sample of each material.

Photos are essential for reviewing a claim file. They allow us to correctly identify the damage.

Always keep in mind that the goal of emergency measures is to limit damage to the building and protect the premises.

Before redoing your floor, make sure everything is completely dry.

Remember, your broker can advise you at any time and help you make sound decisions based on the specific details of your contract.

If you have water damage to your walls, you may make the decision to remove baseboards and remove drywall and insulation behind the baseboards or to the level where water reached. You can get rid of materials but make sure to at least keep a sample of each material. Note the time spent on doing this work and the claims adjuster will confirm the amount that may be allotted.

Photos are essential for reviewing a claim file. They allow us to correctly identify the damage.

Always keep in mind that the goal of emergency measures is to limit damage to the building and protect the premises.

Before redoing your floor, make sure everything is completely dry.

Remember, your broker can advise you at any time and help you make sound decisions based on the specific details of your contract.

Depending on the material, many types of property don’t absorb moisture and can be cleaned and disinfected by specialists. You can get rid of property that can’t be cleaned. Simply take a photo of it first.

If you wish, you can clean clothes and fabrics that have been water damaged. Keep your invoices if you use professionals to do this.

You can get rid of water-damaged materials that you’ve removed. Make sure to take a photo first and remember to at least keep a sample of each material.

Photos are essential for reviewing a claim file. They allow us to correctly identify the damage.

Remember, your broker can advise you at any time and help you make sound decisions based on the specific details of your contract.

If you haven’t already done so, contact a drying specialist in your area as soon as possible so they can start the appropriate treatments. Keep the invoices and discuss it when you’re contacted by one of our agents.

Remember, your broker can advise you at any time and help you make sound decisions based on the specific details of your contract.

Yes. You can stay with a family member or in a hotel. Make sure to keep the invoices for any reasonable expenses incurred (hotel, meals, etc.). The invoices can be submitted for assessment by the claims adjuster who is looking after your file.

We recommend that you re-read your insurance contract to view your coverage and applicable limits. You’ll also be able to find out if your expenses are eligible for reimbursement or not.

Remember, your broker can advise you at any time and help you make sound decisions based on the specific details of your contract.

The condominium syndicate should handle any losses related to the building, regardless of whether the damage occurred in your unit or the common areas, even if it does not file a claim with its insurance company.

If your property was damaged, you must file a claim with your own home insurance.

As a tenant, your landlord is responsible for drying and repairing the building. Contact them to find out what to do next. If you haven’t already done so, you can clear out the space required for the repair work. You can also move your property yourself, noting the time it took and the people who helped you. If you hire professionals, be sure to hold on to the invoices.

If your property was damaged, you must file a claim with your own home insurance.

Call us at 1 800 463-4800 or complete our online claim form.

If you have already completed the online form, we will be in touch with you as quickly as possible to follow up.

Contact your broker promptly for help with filing a claim.

Your home insurance contract includes 20 hours of psychological assistance following a loss. It’s free, confidential and available to all members of your family. For more information, visit our Psychological assistance following a loss page.