To all those affected by the devastating events in Fort McMurray and surrounding areas - our hearts are with you. Taking care of you is our top priority.
We've compiled information & tips we think will be helpful as the evacuation ban is lifted and to help guide you through the next steps in the insurance claim process.
If you require assistance with any questions or a claim please contact us anytime at 1-844-229-1272 and we will help you through this. Our experienced claims staff are available 24/7.
Here is some additional information that will help you navigate the claims process upon your return:
- Advice for returning to your home once local authorities grant access
- Assessing damage to your motor vehicle
- If your vehicle has been determined non repairable
- Assessing damage to your property
- Assessing your property
- Settlement options
- Here’s what will happen if you’ve chosen one of our vendors to complete repairs
- Additional information to help you get back on track
- What is Johnson doing to assist customers during this time?
- What additional steps do I need to take?
- Continue listening to the radio for information and instructions.
- Visit the Alberta government site for emergency updates:
- Do not re-enter the house unless an authorized person has confirmed it to be safe.
- Have a battery-operated flashlight on hand for light.
- If you have a smartphone, ensure that it’s fully charged to allow you to take photos of your property.
- Be cautious when re-entering your home as the area may be hazardous due to a shift and damage in structures.
- Do not attempt to restore your own utilities.
- Check food and water supplies for contamination and spoilage before consumption and use.
- Wear proper shoes when walking through broken glass or debris, and use heavy gloves when removing debris.
- Depending on the extent of damage to your home, it’s helpful to have a bag handy so you can use it to retrieve valuables and important documents if accessible.
- Let your family and friends know you are safe.
- Once you are safely back into your home, call your Claims Representative to walk you through the next steps regarding any property damages that may have occurred.
- You’ll get quick estimate approval and a trustworthy supplier
- You may only need one estimate
- We’ll guarantee the work as long as you’re insured with us
- Bill of sale form
- Signed Proof of Loss
- VIR - Vehicle Inspection Regulation
After you are permitted back onto your property, your adjuster will be able to make arrangements with you to attend and inspect the damage. They will confirm and explain coverage and then together you will look over your damaged home, personal items and motor vehicle(s) and explain in detail how the claims process will unfold and what to expect during the process. Our claims professionals will advise you on the next steps.
A detailed review of repairs will be completed and provided to you. You will have an opportunity to review and decide on how you want to proceed with the settlement of your claim.
If possible, you should remove valuables and important documents, such as passports, SIN cards, birth certificates, insurance documents, bank and credit card info, medical prescriptions, mortgage papers and account info for service providers (utilities, phone companies, etc.).
Do not handle hazardous materials such as aerosol cans, paint, solvents, propane tanks or cleaning fluids.
Consult your municipal website about their safe disposal.
If you left your car when you were evacuated and it was damaged or burned by the fire, do not attempt to start it or move it.
A claims representative will visit your home to confirm and explain your coverage. A review of the damage to your property will also be completed. Photos of the damage will be obtained by our claims representative and the representative will also start putting together an estimate of repair costs.
Our claims representative may also work closely with various experts to assist us in assessing and calculating your claim costs.
If your home is unlivable, your claims representative will explain the additional living expense coverage and options on surrounding alternative accommodations.
- Use one of our vendors to complete the repairs to your home and we guarantee the work completed.
- Elect to have the repairs completed by a service provider of your choice.
- Take a cash settlement based on the repair estimate, excluding contractor profit, overhead, taxes, and trade expertise.
- Withdraw the claim if repair costs are less than your deductible
The contents and objects in your home may need to be moved and stored at a secure storage facility for cleaning and until your home is deemed livable again. Contents and objects that cannot be cleaned and restored will be listed by your claims representative who will work with you to discuss your settlement options. Once the emergency portion is complete, the final repairs will proceed based on the estimate provided to you by your claims representative. Throughout this entire process, your claims representative will be available to answer any questions or concerns you may have.
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- Keep receipts for any clean up or replacement costs.
- When you are able to return to your community, property owners are requested not to sift through the debris as the site could pose dangers to you and your family. If sifting is required, please check with emergency officials before proceeding.
- Home owners are advised to create a diagram of their home, indicating where furniture, appliances, wall hangings etc. were located.
- Try to detail as much information as possible regarding home contents and automobile descriptions.