Personal Property claims

In the event of a fire:

• Safety is the priority. Ensure everyone leaves the building immediately.
• Call the fire department from outside, as soon as you can.
• Wait in a safe place outside the building, such as a car parked outside, or neighbour’s home.
• Do not re-enter the building without approval from the authorities.

Reporting the Claim

Call Orr Insurance & Investment at the first opportunity, or contact the insurance company directly at the 1-800 number they provided with your policy. A Claims Representative from your insurer will work with you to confirm the details of the loss and guide you throughout the claims process.

Prepare a list and description of what has been damaged or lost. Take pictures or video if possible. You may be asked to provide proof of ownership and/or original invoices to support your claim. Do not dispose of damaged personal property without first notifying us.

For a financial estimate of the damages, you could use a preferred vendor of the insurance company or you may call a local contractor of your choice. Estimates will be reviewed by the insurer.

Restoration work – if the work is completed by a preferred vendor of the company, the insurance company will warranty the work of the contractor.

In the event of water damage:

• Stay safe. Do not enter a flooded basement unless you have turned off the main electrical supply.
• Protect your property – After ensuring the electricity in the affected area is turned off at the source, you may take reasonable steps to prevent further damage.
• Do not handle items damaged by sewer backup.
• For all other water sources, remove property that has not been damaged from the affected areas or move them off the floor.
• Make sure valuables and important documents are stored in a safe, dry place.
• If the problem occurs in winter, maintain normal heat and avoid raising the thermostat.
• If the plumbing or heating system is frozen, turn off the water supply before restoring heat.

Reporting the Claim

Report the incident by calling your Orr Insurance Broker or call the insurer directly at the 1-800 number they provided with your policy. A Claims Representative from your insurer will work with you to confirm the details of the loss and guide you throughout the claims process.

Prepare a list and description of what has been damaged or lost. Take pictures or video if possible. You may be asked to provide proof of ownership and/or original invoices to support your claim. Do not dispose of damaged personal property without first notifying us.

For a financial estimate of the damages, you could use a preferred vendor of the insurance company or you may call a local contractor of your choice. Estimates will be reviewed by the insurer.

Restoration work – if the work is completed by a preferred vendor of the company, the insurance company will warranty the work of the contractor.

In the event of a burglary:

• Safety first. If you arrive to find your home has been broken into, do not enter the house.
• Call the police immediately.
• Once you have called the police, wait for them in a safe place, like a car or neighbour’s house.

Reporting the Claim

When you know it is safe to enter your home, have a look around to see what has been stolen or damaged. Make a preliminary list and where possible, take pictures of the damages. Do not dispose of damaged personal property without first notifying us.

Report the incident by calling your Orr Insurance Broker or call the insurer directly at the 1-800 number they provided with your policy. An insurance adjuster will be in touch with you to confirm the details and guide you through the claims process.

Prepare a list and documents of what has been damaged or stolen. You may be asked to provide proof of ownership and/or original invoices to support your claim.