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Home and Auto claims

You deserve the highest standards of integrity and client service during the claims process. Here’s how we help you get things back to normal as quickly as possible.

After you start a claim by phone, with your financial representative, or online, here’s what happens next:

  1. Your claims representative or adjuster contacts you and gathers facts of the loss. The adjuster checks your insurance policy to make sure you’re covered for this claim.

  2. We look at the damage to determine the value of the loss or damage, get repair estimates, and speak to health care providers if you’ve been injured.

    Claims representatives use appraisals and repair estimates to calculate the value of the loss or damage. They may also ask you for information from invoices, receipts, photos, owner’s manuals, and warranties. In some cases, they ask you to list lost or damaged items on a proof of loss form.

  3. We pay directly for repairs and other work or offer a settlement according to the terms of your policy. The amount paid out for a claim depends on the type of policy you have:
    • Valued policies or Policies of Compensation set out the amount to be paid in certain circumstances.
    • Under Actual Cash Value policies, you receive payment to replace a damaged or stolen item with one of the same age and condition.
    • Replacement Cost policies reimburse you for your costs to repair or replace the damaged or destroyed item without factoring in depreciation.

  4. We settle the claim by paying the amount outstanding, minus your deductible.

    Most insurance policies are based on the principle of indemnity, which means you’ll be put back into the same financial position you were in before the loss. The amount you receive depends on the deductibles and limits specified in your policy.

    You can choose to receive your claims payments in one of two ways:
    • Cheque mailed to your home address
    • Interac e-Transfer for claims payments up to $10,000 for clients that have auto-deposit enabled with their financial institution
Make a home and auto insurance claim

If you experience a loss, please contact us as soon as possible at 1-800-810-2847 anytime in North America. Please have the following information available:

  • Policy Number
  • Date of loss
  • Loss details
  • Police report number (if applicable)

Chipped or cracked windshield or car window?

No need to contact us to file a claim. Simply:
  • Choose a recommended auto glass repair shop below
  • Book an appointment
  • Show your insurance certificate when you arrive

The shop will contact us and, if you have coverage, we will pay. You only pay your deductible if the windshield or car window is replaced. When it’s just a chip or crack repair, you don’t have to pay your deductible. Chips and cracks can get worse over time, so it is always best to have them dealt with in a timely way.

Chose an auto glass shop
Protection during an emergency

You can count on CUMIS in the event of an emergency in your community. As industry leaders during natural disasters, we are committed to the highest standards of integrity and client service. We understand it may be difficult for you to contact us and your safety is our priority. We’re here to work with you and help make sure your policy is in good standing, so you have reasonable access to the coverage you need. Our goal is to help you keep what matters safe.