Home Insurance Claims

by Jane
(Collingwood, Ontario)

Last year someone broke into my car and I put a claim in on my house insurance policy. Now I have had shingles blow off my roof and I want to put a claim in. Someone told me that the insurance company might cancel my policy if I put this claim in.


Is that true?

Home Insurance Claim Answer


This depends on the insurer. Many insurers will not renew a policy after a certain number of claims. With Ontario home insurance companies, my experience is after a third claim in a three year period.

But that doesn't mean that there are not company's that would not renew after a second claim. Have you tried an anonymous, hypothetical call to your insurance company? Or, if you have a broker, the broker should be able to give you advice about this.

One more thought: If the roof is fairly old and was due for re-shingling, it is possible that your insurer will decline the claim because it was a maintenance issue as opposed to an unpredictable event.

Hopefully this helps a little!

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Note: Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind. This insurance information is general in nature and the policy wordings always take precedence. Make sure you review the "please read" page.




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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

Please Read

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