When disaster hits, your first call might be to a restoration company, but your second should be to your insurer.

If you've never had to file a claim before, the process can feel overwhelming. You're dealing with damage, stress, and uncertainty. Understanding your insurance before something goes wrong gives you confidence, and control, when it matters most.

At Paul Davis, we’ve worked alongside Canadian homeowners, business owners, and insurance adjusters for decades. Here’s what you should know now to be ready later.

1. Know What Your Insurance Actually Covers

Not all damage is treated the same. Many policies cover things like fire, storm, or water damage, but not necessarily all kinds of water (like flooding or sewage backups).

Check if your policy includes:

• Water damage (from broken pipes, sump pump failure, sewer backup)
  
• Wind and hail damage
  
• Fire and smoke restoration
  
• Mould remediation
  
• Temporary relocation costs

2. Understand Your Deductible and Limits

When you file a claim, your deductible is the amount you must pay out of pocket before insurance kicks in.

Make sure you know:

• Your deductible amount
  
• Coverage limits per category (structure, contents, temporary housing)
  
• Whether restoration services are covered directly
  

3. Choose a Trusted, Insurance-Approved Restoration Partner

Insurance companies often work with pre-approved restoration companies like Paul Davis. This ensures faster approvals, fair pricing, and coordinated service.

We provide:

• Immediate 24/7 response
  
• Detailed, insurance-ready documentation
  
• Transparent estimates
  
• Full cleanup and rebuild services
  

4. Document Everything

Photos. Video. Inventory. Keep records before and after damage. It will speed up your claim and reduce disputes.

We always recommend taking a full photo inventory of your home or business before a disaster occurs.

5. Review Your Coverage Annually

Life changes, and your insurance should keep up. Did you finish a basement, buy new furniture, or install new plumbing? Update your insurer.

Plan Ahead, Recover Faster

You can’t predict every disaster—but you can prepare. When you understand your insurance and know who to call, you’ll be able to act fast, protect your property, and get your life back on track with confidence.

Have questions about restoration or insurance claims? Contact your local Paul Davis team today. We’re here 24/7 to help you prepare, respond, and recover.