If you experience property damage or loss in Ontario, you should first document the damage thoroughly with photos, videos, and written notes, and report the incident to your insurance company as soon as possible. It is also important to keep receipts for repairs, replacements, or any emergency expenses related to the damage.  

To file a property loss claim in Ontario you must notify your insurance company promptly, provide details about the damage, and submit supporting documents such as photos, receipts, and repair estimates. Your insurer will likely send an adjuster to assess the damage before making a coverage decision.  Singer Kwinter can guide you through the claims process, ensure your paperwork is complete, and advocate for fair compensation if the insurance company undervalues or denies your claim. 

Property insurance policies often exclude coverage for certain types of damage, such as wear and tear, gradual deterioration, mold, infestations, or damage caused by intentional acts. Some policies may also exclude flooding, earthquakes, or sewer backup unless you have purchased additional coverage. 

The value of damaged property is usually determined by your insurance company based on either the actual cash value (the cost to replace the item minus depreciation) or the replacement cost (the amount needed to replace the item with a new one of similar kind and quality). The method applied depends on the terms of your insurance policy and the type of coverage you purchased. 

To support a property loss claim, you should provide documents such as photographs or videos of the damage, receipts or invoices for the damaged items, repair estimates, insurance policy details, and any police or fire department reports if applicable. Keeping an organized record of communication with your insurer, including claim forms and adjuster notes, is also important. Singer Kwinter can help you gather the right documentation, present a strong claim, and challenge the insurer if they undervalue or deny your losses. 

If your property insurance claim is denied in Ontario, you should first review the denial letter carefully to understand the insurer’s reasons, then gather additional evidence such as photos, receipts, and expert reports to challenge their decision. It is important not to accept the denial at face value, as insurers may misinterpret policy language or undervalue your losses. 

In Ontario, most property insurance policies require you to report damage or loss to your insurer as soon as reasonably possible, and often within a specific period such as seven to thirty days. Failing to report promptly may give the insurer grounds to delay or deny your claim. The team of lawyers at Singer Kwinter can review your policy deadlines, ensure your claim is filed on time, and protect your right to fair compensation. 

If you disagree with your insurer’s decision in Ontario, you should request a detailed explanation in writing and gather supporting evidence such as repair estimates, expert opinions, or additional documentation to strengthen your position. Avoid signing any settlement or waiver until you have fully reviewed your options.