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Home » Insurance » Claims » Popular Property FAQ's

Most Frequently Asked Questions:

Q: What information do I need to report a property claim?

A: Often CAA can obtain your policy information by your last name, but it helps if you can provide us with your policy number. During the initial stages of obtaining information about your potential claim, CAA will require such information as the date of the loss, the approximate time you noticed the loss, confirmation of your address and all contact information, details of what occurred and details of what is damaged. We suggest having a piece of paper and a writing utensil at the ready so that you can record any pertinent information we relay to you in the handling of your claim.

Q: How long does it take to report a claim?

A: The time required is dependant upon the complexity of the claim. Usually CAA can complete the initial transaction within 10 minutes.

Q: How may I report a claim?

A: The most efficient means of reporting your loss to CAA is by our dedicated claims number at 1-800-387-2656. Listen to the prompts. We have a dedicated property line to ensure you reach a CAA property representative quickly. Our claims number is manned 24 hours a day, 7 days a week. During store hours, you may also report a claim at one of many convenient CAA stores

Q: Should I make a claim?

A: Our philosophy at CAA: it is always better to be safe, than sorry. Any delay in reporting a claim can exasperate even the simplest of losses. Often the damages are unknown or minor and you may think it is not worth reporting, but hidden damages, left unattended, can become very serious. Upon reporting a claim to CAA, we will immediately dispatch a local contractor to assess the cause of the loss and the resulting damages. This is at NO COST to you, our valued policyholder.

Q: I can not find my property insurance booklet. How may I obtain one?

A: Please call our Customer Assistance Department at 1-877-222-1717 and request your insurance booklet TODAY! We will conveniently mail it to you. If you are currently involved in a claim with CAA, you may request your insurance booklet through your adjuster.

Disclaimer: The amount of coverage available depends on the type of policy, the insurance purchased and the nature of the loss. Always consult your declaration page and property insurance booklet for details and specifics.

More Complex Questions

Q: How will reporting a claim impact my premium for property insurance?

A: A claim reported to CAA does not necessarily directly impact your premium. Often premiums are determined by several indictors such as location, building materials, fire protection, local trends, hazards, etc. These indicators are based upon many years of actuarial information.

Q: What does my property policy cover me for?

A: Your CAA property insurance varies depending on the type of property policy you have and the type of loss you encounter. Generally, you are covered for events that are beyond your control and are predictable. You are not covered for maintenance or upkeep type losses. CAA strongly urges you to read your property insurance booklet which outlines the coverages, exclusions, limitations and responsibilities of both the policyholder and CAA.

Q: What does a Homeowners policy cover me for?

A: The CAA Homeowner policy covers your dwelling (house), detached structures (garage, shed, etc.), your personal contents, additional living expenses and liability situations, to name few. We suggest your refer to your specific property insurance policy booklet and declaration page for explicit limits, coverages, exclusions, deductibles and additional coverages.

Q: What does a Tenants policy cover me for?

A: The CAA Tenants policy covers your personal contents, improvements or betterments, liability scenarios and additional living expenses. CAA recommends you refer to your specific property insurance policy booklet and declaration page for specified limits, coverages, exclusions, deductibles and additional coverages.

Q: How long does it take for the completion of my property claim?

A: CAA strives to provide premier service with promptness and accuracy. The length of any claim is dependant on many factors. These factors can include the complexity of the claim, the extent of the damages and the number of experts required to be involved in the claims process. Quite simply, the claim may take a few weeks or several months. During the claim process, CAA will keep you advised of the developments and the processes every step of the way, to ensure that any disruption of your everyday routines are kept to a minimum and to make your claims experience easy, convenient and positive.

Q: What is a deductible?

A: A deductible is the amount of a loss you, the policyholder, must pay per occurrence. In essence, it is that portion of any loss that you are self-insured for. The deductible is proportionate to the amount of the premium you pay. Most common deductibles range from $300 to $1000. If your damages fall below your deductible, there is no claim to pursue with CAA.

Q: How do I know if I have the correct policy?

A: CAA offers insurance policies specific to the type of residence you own or rent. The following is an easy guide to determine the type of insurance policy you should have:

1. If you own a home => Standard, Broad or Comprehensive Homeowners policy
2. If you own a condominium => Broad or Comprehensive Condominium policy
3. If you rent => Broad or Comprehensive Tenants policy

CAA also offers other insurance policies for your particular commercial or lifestyle needs. Please call our Insurance Sales Division at 1-877-222-3939 to get a quote or get more information.

CAA offers other insurances such as: Health and Dental Insurance, Life Insurance, Travel Insurance and Pet Insurance.

Q: What's an exclusion?

A: An exclusion is an event or situation which is not afforded coverage under an insurance policy.

Q: I have just discovered a theft at my home. What should I do?

A: CAA advocates safety first! Get out of the home; go to a neighbour's or friend's home and call the police. If your home needs to be secured call our 24/7 claims department at 1-800-386-2656 and we will dispatch a local contractor to attend your home, as an emergency priority. Wait for the police to arrive at your premises who will confirm it is safe for you to re-enter. Entering your home, on your own accord, could cause personal injury or disturb important evidence. It's not worth it!

Call CAA's Claims Department and report your loss. It is helpful for our adjusters if you can provide us with a preliminary list of items that have been loss or damaged, as well as, the police officer's name, badge number and contact information and the occurrence/case number. We will walk you through this traumatic event, step by step.

Q: My luggage was stolen while vacationing in Italy. Do I have coverage?

A: Yes. Personal contents in your possession or removed temporarily from your principle residence are covered, no matter where you are - anywhere in the world! CAA will even insure personal property of a student who is temporarily residing away from your home for the purpose of attending school, college or university. Additionally, CAA provides coverage for your parent's uninsured contents in a long term care facility (Certain limits apply in both of these circumstances. Please refer to your CAA property insurance booklet).