{"id":26647,"date":"2024-12-20T16:37:09","date_gmt":"2024-12-20T21:37:09","guid":{"rendered":"https:\/\/www.laval.ca\/faire-reclamation\/"},"modified":"2025-05-16T09:00:28","modified_gmt":"2025-05-16T13:00:28","slug":"filing-claim","status":"publish","type":"page","link":"https:\/\/www.laval.ca\/en\/public-security\/emergency-measures-civil-security\/disaster-preparedness\/filing-claim\/","title":{"rendered":"Filing a claim after a disaster\u00a0"},"content":{"rendered":"<section class=\"sticky-section-group aligndefault\"\n>\n   \n<div class=\"sticky-section-main\"\n>\n   \n\n<p class=\"is-style-intro-text\">If your property has been damaged by a disaster, your municipality has limited actions it can take. However, we can guide you in starting your recovery process.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">First steps to take after a disaster&nbsp;<\/h2>\n\n\n\n<p>No matter what caused the damage or how severe it is, some steps are always useful:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ensure your safety first by checking if your home is safe to enter. If in doubt, wait for authorization from authorities.&nbsp;<\/li>\n\n\n\n<li>Document the damage before touching anything\u2014take photos or videos and make a detailed list of lost or damaged items.&nbsp;<\/li>\n\n\n\n<li>Remove contaminated materials and contents from the house quickly. Completely clean and dry any water damage within 24 to 48 hours to prevent mold.&nbsp;<\/li>\n\n\n\n<li>Contact your insurer and provide the required documents.&nbsp;<\/li>\n\n\n\n<li>Hire a certified disaster recovery expert for cleaning.&nbsp;<\/li>\n\n\n\n<li>Notify your mortgage lender to report the damages.&nbsp;<\/li>\n\n\n\n<li>Keep all receipts related to the disaster, including living expenses if you need to temporarily leave your home.&nbsp;<\/li>\n\n\n\n<li>Check if a permit is required before starting repairs, especially for structural work. If so, request a permit from the City of Laval. (<a href=\"https:\/\/www.laval.ca\/en\/permits-finder\/find-permit\/renovation-residentielle-interieure\/\">Interior residential renovation or repair<\/a> or <a href=\"https:\/\/www.laval.ca\/en\/permits-finder\/find-permit\/renovation-residentielle-exterieure\/\">Exterior residential renovation or repair<\/a>)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Financial assistance after a disaster&nbsp;&nbsp;<\/h2>\n\n\n\n<p>In case of flooding or other disasters, the Government of Quebec may offer financial assistance through the <a href=\"https:\/\/www.quebec.ca\/securite-situations-urgence\/urgences-sinistres-risques-naturels\/obtenir-aide-sinistre\/aide-financiere-proprietaires-locataires\" target=\"_blank\" rel=\"noreferrer noopener\">General Financial Assistance Program for Disasters<\/a> from the Ministry of Public Security. This aid can go up to $8,000 per residence.&nbsp;<\/p>\n\n\n\n<p>This financial aid may cover temporary housing, the installation of a pump, sandbags, and more. The full compensation program is detailed on the <a href=\"https:\/\/www.quebec.ca\/securite-situations-urgence\/urgences-sinistres-risques-naturels\/obtenir-aide-sinistre\/aide-financiere-proprietaires-locataires\" target=\"_blank\" rel=\"noreferrer noopener\">Government of Quebec&#8217;s website<\/a>.<\/p>\n\n\n\n<p>Other organizations, such as the Red Cross, may also provide financial assistance.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Freezing rain and power outages<strong>&nbsp;<\/strong>&nbsp;<\/h2>\n\n\n\n<p>If a power outage causes the loss of refrigerated or frozen food and you have insurance, you may be able to file a claim.&nbsp;<\/p>\n\n\n\n<p>According to the <a href=\"https:\/\/bac-quebec.qc.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">Insurance Bureau of Canada<\/a> (IBC):&nbsp;<\/p>\n\n\n\n<p>&#8220;Most home insurance policies cover many types of damage, such as a branch or tree weighed down by ice falling on a residence, or the loss of food in a refrigerator or freezer.&#8221;&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Who Is Responsible for Electrical Wires?&nbsp;<\/strong><\/h4>\n\n\n\n<p>According to the IBC, the wires connecting the electrical grid to your home are called &#8220;service wires&#8221; and belong to the homeowner.&nbsp;<\/p>\n\n\n\n<p>If your service wires are damaged, you must contact an electrician for repairs. For more information, visit <a href=\"https:\/\/www.hydroquebec.com\/securite\/vegetation\/verifier-branchement-electrique.html\" target=\"_blank\" rel=\"noreferrer noopener\">Hydro-Qu\u00e9bec&#8217;s website<\/a>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">One-time financial assistance&nbsp;<\/h2>\n\n\n\n<p>When a natural disaster or major incident affects a large number of people, a level of government may decide to set up specific financial aid for victims.&nbsp;<\/p>\n\n\n\n<p>If a special fund is announced, it will usually be communicated through major newspapers and TV news reports. Stay informed, even weeks after the disaster.&nbsp;<\/p>\n\n<\/div>\n\n\n<div class=\"sticky-section-sidebar\"\n>\n   <div class=\"sticky-section-sidebar__inner\">\n     \n<div class=\"sidebar-cta-wrapper aligndefault\">\n   <div class=\"sidebar-cta\">\n     \n  <div class=\"theme-icon aligndefault theme-icon--colored\">\n    <span class=\"theme-icon__icon icon icon-alert-triangle\"><\/span>\n  <\/div>\n  \n\n\n<p class=\"has-xlarge-font-size\"><strong>Stay informed<\/strong><\/p>\n\n\n\n<p>Receive alerts in case of important notices or emergency situations.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/infolettre.laval.ca\/T\/WF\/14321\/eewxbf\/Optin\/fr-CA\/Form.ofsys?_gl=1*p8i28j*_gcl_aw*R0NMLjE3MjI0NDUwOTUuQ2owS0NRand3YWUxQmhDX0FSSXNBSzRKZnJ6dTE3a1FtQ1VnNnFjdnp5RzlRY1dfY01ZcGh5THRjamlrVFZBa1dWSXdUZ2Z0ZFZOU2VMQWFBbG95RUFMd193Y0I.*_gcl_au*NjEzNzM4MTYyLjE3MTc2MDg3NTY.*_ga*MTEyNTg0ODg0NS4xNzE0NTg4Njk5*_ga_G6H5B2R1FL*MTcyMjQ0NDAxOC4xMTcuMS4xNzIyNDQ1MTMwLjI0LjAuMA..\" target=\"_blank\" rel=\"noopener\">Sign up for our alerts<\/a><\/div>\n<\/div>\n\n   <\/div>\n<\/div>\n\n   <\/div>\n<\/div>\n\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":31,"featured_media":0,"parent":26670,"menu_order":136,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"class_list":["post-26647","page","type-page","status-publish","hentry"],"pp_statuses_selecting_workflow":false,"pp_workflow_action":"current","pp_status_selection":"publish","acf":[],"coauthors":[],"author_meta":{"author_link":"https:\/\/www.laval.ca\/en\/author\/j-bouliannelaval-ca\/","display_name":"j.boulianne@laval.ca"},"relative_dates":{"created":"Posted 1 year ago","modified":"Updated 11 months ago"},"absolute_dates":{"created":"Posted on December 20, 2024","modified":"Updated on May 16, 2025"},"absolute_dates_time":{"created":"Posted on December 20, 2024 4:37 pm","modified":"Updated on May 16, 2025 9:00 am"},"featured_img_caption":"","featured_img":false,"series_order":"","publishpress_future_action":{"enabled":false,"date":"2026-05-02 06:33:53","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"translation_priority","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/www.laval.ca\/en\/wp-json\/wp\/v2\/pages\/26647","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.laval.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.laval.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.laval.ca\/en\/wp-json\/wp\/v2\/users\/31"}],"replies":[{"embeddable":true,"href":"https:\/\/www.laval.ca\/en\/wp-json\/wp\/v2\/comments?post=26647"}],"version-history":[{"count":8,"href":"https:\/\/www.laval.ca\/en\/wp-json\/wp\/v2\/pages\/26647\/revisions"}],"predecessor-version":[{"id":69647,"href":"https:\/\/www.laval.ca\/en\/wp-json\/wp\/v2\/pages\/26647\/revisions\/69647"}],"up":[{"embeddable":true,"href":"https:\/\/www.laval.ca\/en\/wp-json\/wp\/v2\/pages\/26670"}],"wp:attachment":[{"href":"https:\/\/www.laval.ca\/en\/wp-json\/wp\/v2\/media?parent=26647"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}