Personal Property claimsRed Line

For all claims, call us at the earliest opportunity. We offer 24/7 claims service. Simply call your local office or use our toll free number at 1.800.876.4163. Or, if you prefer, contact your insurance company claim center directly at the 1.800 number they provided with your policy.

Your Orr representatives are here to:

  • Red Tick Icon - ORR Insurance&InvestmentAnswer any questions
  • Red Tick Icon - ORR Insurance&Investment Discuss your coverage
  • Red Tick Icon - ORR Insurance&Investment Guide you through the claims process
  • Red Tick Icon - ORR Insurance&Investment Arrange for temporary accommodation, if necessary
  • Red Tick Icon - ORR Insurance&InvestmentWork to get your home back to normal as soon as possible.

The scenarios outlined below are for general information purposes only. Please check your policy for details of the coverage you have in place.

In the event of a fire:

  • Red Tick Icon - ORR Insurance&Investment Safety is the priority. Ensure everyone leaves the building immediately.
  • Red Tick Icon - ORR Insurance&Investment Call the fire department from outside, as soon as you can.
  • Red Tick Icon - ORR Insurance&Investment Wait in a safe place outside the building, such as a car parked outside, or neighbour’s home.
  • Red Tick Icon - ORR Insurance&InvestmentDo 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:

  • Red Tick Icon - ORR Insurance&Investment Stay safe. Do not enter a flooded basement unless you have turned off the main electrical supply.
  • Red Tick Icon - ORR Insurance&InvestmentProtect 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.
  • Red Tick Icon - ORR Insurance&InvestmentDo not handle items damaged by sewer backup.
  • Red Tick Icon - ORR Insurance&InvestmentFor all other water sources, remove property that has not been damaged from the affected areas or move them off the floor.
  • Red Tick Icon - ORR Insurance&InvestmentMake sure valuables and important documents are stored in a safe, dry place.
  • Red Tick Icon - ORR Insurance&InvestmentIf the problem occurs in winter, maintain normal heat and avoid raising the thermostat.
  • Red Tick Icon - ORR Insurance&InvestmentIf 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:

  • Red Tick Icon - ORR Insurance&InvestmentSafety first. If you arrive to find your home has been broken into, do not enter the house.
  • Red Tick Icon - ORR Insurance&InvestmentCall the police immediately.
  • Red Tick Icon - ORR Insurance&InvestmentOnce 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.

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