Claims, disputes and links to resources
If you have questions, you can contact Insurance Bureau of Canada's Consumer Information Centre:
Please see insurance consumer complaints.
Links to insurance resources
- Insurance Bureau of Canada:
- Agriculture Financial Services Corporation
5 things homeowners should know
- Before a loss occurs, it is important to work with your insurance broker or insurance company to understand your policy. Ask them what's covered and what's not.
- If a disaster happens, insurance companies will be expected to honour their contractual obligations. But they are not expected to cover anything not set out in your policy.
- Sewer backup coverage is generally available to Albertans, and many insurers now offer coverage for losses caused by overland flooding (such as excess rainfall runoff).
- Prevention is always the best strategy. See the Insurance Bureau of Canada's website (www.ibc.ca) for tips on how to prepare for disasters, including water-related.
- If you're not happy with your current insurance coverage, shop around. You may be able to find a better fit elsewhere.
Overland flooding, where water flows overland and seeps into buildings through windows, doors and cracks, is one of the most frequent and costly natural hazards in Canada. Floods have affected hundreds of thousands of Canadians and cause millions of dollars in damages each year.
Some insurance companies are now providing overland flood insurance. In those cases where overland flood insurance is not readily and reasonably available, the Disaster Recovery Program may still be available to eligible Albertans. The Alberta government encourages all homeowners, tenants, and small business owners to contact their insurance companies to find out what options are available to best protect them from disasters.
Water damage from a sewer backup may be covered (subject to limits and exclusions) if specific sewer backup coverage has been purchased. Property insurance is not a mandated product, unlike basic automobile insurance, so each insurance company will have its own policy wording and coverage limits to consider. Contact your broker or insurance company to review your policy.
The government expects all insurance companies to honour the contracts they have with their customers. Insurance companies will not be expected to go above and beyond their contractual obligations, as some voluntarily chose to do following the 2013 Southern Alberta floods.
Before a flood
Your insurance policy may not insure against floods. Review your property insurance policies and call your insurance company or broker if you have questions about your coverage. You can also change insurance companies if you do not feel that your current insurance policies meet your needs.
There are preventative tips to reduce the risks associated with flooding, such as:
- moving valuable items from your basement to higher levels in your home
- clear eavestroughs and downspouts — if safe to do so — to direct water away from your home
- asking someone to check your property if you are away
After a flood
First steps to take if you have property damage:
- Contact your insurance company.
- Take photos to document the damage.
- Keep any receipts for expenses incurred from flooding.
Damage to vehicles from water is usually covered on an auto insurance policy if you have purchased physical damage coverage. This coverage is not mandatory - review your auto insurance policy and contact your insurance company.
2016 Wood Buffalo wildfire: insurance claim deadline extended
The Insurance Act sets out a 2-year deadline for claims to be settled. The first insured losses from the fire were reported on May 3, 2016. Additional losses were reported in the days that followed.
As of May 10, 2018, 97% of the residential insurance claims resulting from the disaster had been settled, according to the Insurance Bureau of Canada (IBC). This means about 900 residential claims remained unresolved at that time, of which 85% had received an extension.
Any residents experiencing difficulties with their insurance claims are encouraged to contact Alberta's Superintendent of Insurance at 780-643-2237 or firstname.lastname@example.org.
Publications and resources
- Fact sheet: Extended claims deadline - preserve your right to continue your claim (May 30, 2018)
- Insurance Bureau of Canada (IBC): Wildfire in Fort McMurray and surrounding area
- Statement from Minister Ceci: Wildfire insurance (May 23, 2018)
- News release: Wildfire insurance claim deadline extended (May 16, 2018)
- Superintendent of Insurance Notice 02-2018: Wood Buffalo Wildfire: Statutory Limitation on Property Insurance Claims (PDF, 260 KB) (March 29, 2018)
If you are impacted by wildfires
Contact your insurance company, agent or broker.
If you need help identifying who your insurance company is, contact the Insurance Bureau of Canada:
Keep any receipts for expenses incurred.
Most home and tenant's insurance policies provide coverage for additional living expenses if residents are required to leave their homes because of a mandatory evacuation order or if they are unable to return to their damaged homes.
Your insurance company may reimburse you for reasonable additional expenses to cover food, lodging, and other necessities. It is important to keep receipts for expenses you have incurred.
Contact your insurance provider to see if you are eligible.
Nearly all property insurance policies provide coverage for fire, including but not limited to wildfire.
Property insurance is not a mandatory product, unlike basic automobile insurance. This means each insurance company establishes its own property insurance policy wording, coverage limits, and price.
Call your insurance company, agent or broker to assist you.
Damage to vehicles from fire is usually covered under an automobile insurance policy if you have purchased comprehensive or all perils coverage.
This coverage is not mandatory. Check your policy or contact your insurance provider.
See the following resources:
- Report on Insurance Coverages for the Alberta Voluntary Sector (May 15, 2007)
- Non-Profit Sector Insurance Toolkit – Guide for Non-Profits and Charities (PDF, 370 KB) (prepared by the Alberta Voluntary Sector Insurance Council by the Calgary Chamber of Voluntary Organizations, March 23, 2006)
Disaster Recovery Programs
Disaster recovery programs (DRPs) provide financial assistance for uninsurable property damage, loss and other expenses after an extraordinary event. Municipalities apply for DRP on behalf of residents.
Government of Alberta resources:
Insurance Bureau of Canada resources:
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If you have trouble opening fillable PDF forms
See the form instructions.
To connect with the Office of the Alberta Superintendent of Insurance
Hours: 8:15 am to 4:30 pm (open Monday to Friday, closed statutory holidays)
Toll free: 310-0000 before the phone number (in Alberta)
Alberta Superintendent of Insurance
Alberta Treasury Board and Finance
Financial Sector Regulation and Policy
402 Terrace Building
9515 107 Street
Edmonton, Alberta T5K 2C3