When something goes wrong, a car accident, a burst pipe, a break-in, it is normal to feel stressed. The claims process can feel confusing if you have not been through it before. Knowing what to expect can make the experience smoother, faster, and less frustrating.

Step one: Make sure everyone is safe and prevent further damage

For auto claims, move to safety and call emergency services if needed. For home claims, shut off water, electricity, or gas if it is safe to do so. Most policies require you to take reasonable steps to prevent further damage. That could mean placing a tarp over a roof leak or turning off the main water valve after a pipe burst.

Step two: Document everything early

Take photos and videos as soon as possible. Capture the full scene and close-ups. Write down key details while they are fresh: what happened, when it happened, and what you noticed first. If there are witnesses, get names and contact information. For auto accidents, note licence plates and exchange insurance details.

Step three: Contact your broker or insurer and open the claim

Once you report the claim, you will typically receive a claim number and be assigned an adjuster. The adjuster’s job is to investigate what happened, confirm coverage, and determine the settlement amount. The insurer may request documents such as repair estimates, receipts, police reports, or medical information, depending on the type of claim.

Step four: Understand timelines and next steps

Some claims move quickly, while others take longer depending on complexity. For home claims, you may be asked to obtain quotes from contractors or use preferred vendors. For auto claims, you may be directed to an approved repair shop. Keep records of every conversation and document you submit.

Step five: Settlement, repairs, and follow-up

Once coverage is confirmed, the insurer will outline what they will pay, your deductible, and how payment will be issued. In many cases, repairs can begin once the adjuster approves the scope of work. If anything feels unclear, ask questions. It is better to understand the process than to assume.

A claim is not only paperwork, it is also a stressful moment in your life. ICD Insurance supports clients through the claims process, helps you understand what is happening, and makes sure nothing gets missed along the way.

Disclaimer: At ICD Insurance, we aim to provide accurate, up-to-date information. However, insurance needs vary, and coverage depends on specific policies, locations, and providers. This content is for general information only and may not fully apply to your situation. Please contact your ICD Insurance broker to discuss your specific needs and coverage.