Adriatic Insurance

Responding to Storms in Southern Ontario

On Sunday, August 21, 2011, Southern and Southwestern Ontario were impacted by severe weather, resulting in power outages and a number of wind and water claims.

Committed to getting your customers back on track
Claims response teams are in place and ready to help your customers get back to normal. We are being supported by our Rely network of contractors who will mobilize additional resources to the area as necessary.  Our adjusters are making initial contact with all customers to answer their questions and give further details on the next steps. We will be arranging for a contractor/appraiser to come out and inspect the property if required, and begin any necessary emergency repairs.

Call Duoline 1 866 464 2424
For optimal service, we recommend that claims be reported to our dedicated claims line 1 866 464 2424. This helps ensure that the customer has spoken to an Intact claims adjuster who will provide emergency support, and provide them with a claim number.

Claims are being prioritized based on severity and the urgency for immediate emergency repairs.

You can also report new claims by email or fax, but response time may be slower.
Email: firstnoticeofloss@intact.net
Fax: 905 819 2195
Coverages and Deductibles
To assist you in helping your customers, here is some important information regarding coverages and deductibles.

Personal Lines
Food spoilage: As this is an accidental interruption of electrical power, food spoilage is covered.

Tree and Branch Removal

• As a courtesy to your customers and due to the severe nature of the storm, Intact Insurance will be covering the cost, subject to policy limits, of cutting up trees or branches if they have fallen onto the home or structure on your customer’s premises.  We will also assist in carrying the tree debris to the front curb of the property if the customer chooses.  Both of these expenses are not normally covered under the policy.

Deductibles

• If both personal property and automobiles are damaged, we will only apply the higher of the two policy deductibles.
• If multiple automobiles on the same policy are damaged, we will only apply the higher of the policy deductibles.
• The water damage deductible will apply when water is the proximate cause of loss, e.g., burst hot water tank, leaky appliances, and 2) under the Water Damage Extension Endorsement.
• The water damage deductible will not apply when water is not the proximate cause of loss, e.g., if a wind storm or falling object creates a hole in the roof which then allows water to enter the home. In these cases, policy deductible applies.
• While we understand this is a difficult time, these are still claims against the policy and standard underwriting rules will continue to apply.

Commercial Lines
Deductibles

• If both commercial property and automobiles are damaged, we will only apply the higher of the two policy deductibles.
• If multiple automobiles are damaged, we will only apply a single deductible. The highest vehicle deductible will be applied.
• Sewer back-up and flood may or may not be covered perils on the policy (these are purchased coverages).  If these coverages have been purchased, the deductibles are higher than the standard.

As a reminder, our Claims Guarantee does not apply for catastrophic events but rest assured our adjusters are working hard to ensure a strong level of service for your customers.

Declaration of Emergency Endorsement: Where applicable, the Declaration of Emergency Endorsement will apply to personal and commercial property and casualty policies.

It’s a stressful time for your customers. We appreciate your assistance and support as we work with you and our vendors to help your customers get back to normal as soon as possible.

Please contact your Personal Lines Manager or Regional Branch Manager if you have any questions.

Joe D’Annunzio
Regional Vice President
Mississauga Region