Claim Declaration: Complete Guide
What to do in case of a claim? The steps to follow, deadlines to respect and documents to provide for proper compensation.
Steps to follow
Secure and document
ImmediatelySecure the premises, photograph the damage from all angles, throw nothing away and list damaged items.
Declare the claim
5 working days (2 days for theft)Contact your insurer by registered mail or via the online portal. Attach photos, description of damage and list of damaged items.
Expert assessment
VariableThe insurer mandates an expert to evaluate the damage. Be present during the visit and provide invoices for damaged goods.
Indemnification
30 to 60 daysThe insurer offers compensation based on the expert's report. You may contest if the amount seems insufficient.
Documents to provide
- Mutual statement (water damage) or police report (theft)
- Photos of the damage
- Detailed list of damaged or stolen goods
- Purchase invoices or proof of value
- Repair estimates
- Insurance contract number
Frequently asked questions
What happens if I miss the declaration deadline?
Missing the 5-day deadline may result in forfeiture of coverage, unless you prove the delay caused no prejudice to the insurer. It is imperative to declare as soon as possible.
Can I contest the amount proposed by the expert?
Yes, you can request a counter-expertise at your expense. In case of persistent disagreement, you can refer the matter to ACAPS or use the courts.
Can the insurer refuse to compensate me?
Yes, in some cases: failure to meet the declaration deadline, false declaration, claim falling under an exclusion of coverage, or non-payment of the premium.
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