The home insurance claims process

No one can control when accidents happen. So, you want a home insurance provider that treats you fairly when you have a claim. At Square One, we do just that. In fact, we’ve outlined 4 steps you expect when you have a claim with us.

Looking to submit a car insurance claim instead? Learn more about the steps involved and what you can expect from the claims process.


Report your claims

Log in to your online account by clicking the button below. Then, go to the “Claims” section and follow the instructions provided. Or if you prefer, call 1.855.331.6933 for hassle-free claims service. When reporting a claim, you’ll need to provide some basic information such as the date and details of loss.

Log in to your online account

A claims adjuster will contact you within two hours if your claim requires emergency assistance; otherwise, contact is made within one business day. The adjuster will evaluate the situation and help you secure your home. If necessary, your adjuster will arrange for emergency restoration work. If there has been a break-in, vandalism or any other criminal activity, you’ll need to file a police report. Your adjuster will request a copy of this report.


Work with your adjuster

The adjuster assigned to your claim will be your primary contact. They will explain what your policy covers and what you can expect from the claims process. They will also help you:

  • Establish what was lost or damage.
  • Complete necessary repairs to your home.
  • Replace lost or damaged property.
  • Arrange temporary accommodation (if you’re forced to leave your home).

Your adjuster will provide you with any documents that you must complete. You may need to provide a detailed list of the items that have been lost or damaged. So, don’t dispose of any damaged goods, as your adjuster will need to see them.

Throughout the claims process, your adjuster will keep in touch with you. To speed up the process of receiving payment, try to provide your adjuster with as much detail as possible.


Get paid

Square One pays out on over 90% of all claims submitted in Canada, and most are settled within 60 days. Once your claim has been accepted, your adjuster will be in touch to discuss the next steps. The manner of payment will depend on your individual claim. Most are settled through cheque or e-transfer.

For smaller claims, your adjuster may send you the amount of your loss (minus any deductible) outright. For larger claims, you’ll work with your adjuster to determine the best way to repair or replace your damaged property. During this period, your adjuster may send partial payments in advance, so it’s important to keep any receipts that relate to your loss/damage or additional living expenses.


Tell us how we did

At Square One, we’re committed to providing an efficient claims service. When your claim is concluded, you’ll be asked to complete an online survey. You’ll have the opportunity to tell us about your experience, including whether you were satisfied with the repairs done to your home. You’re also welcome to provide feedback at any time during the claims process. Simply email us at

Recent claim payments