Claims

For all claims, call us at the earliest opportunity, or contact the insurance company directly at the 1-800 number provided with your policy. Your Orr representatives are here to:

  • Answer any questions
  • Discuss your coverage
  • Guide you through the claims process
  • Arrange for temporary accommodation, if necessary
  • Work to get your home back to normal as soon as possible.

 

Fire

Water Damage

Burglary

 

The scenarios outlined below are for general information purposes only. Please check your policy for details of the coverage you have in place.

 

Orr Insurance SmartKit App for Your Smartphone

If you own a smartphone, the Orr Insurance SmartKit app is a mobile insurance and claim assistant – available for Android, BlackBerry and iPhone. With the SmartKit on your mobile device, you can:

  • Call 1.800.876.4163 or email your Orr Insurance representative with the touch of a button, or visit Orr’s website.
  • Report the claim to Orr Insurance using a simplified form that ensures no important details are overlooked.
  • Include photos of your valuables, with descriptions and estimated value, taken with your smartphone.
  • Store basic information about your insurance policies.

You can also use the app for auto accident reports and claims.

Click <here> to select and download the SmartKit app for your device.

 

In the event of a fire:

  • Safety is the priority. Ensure everyone leaves the building immediately.
  • Call the fire department from outside, as soon as you can.
  • Wait in a safe place outside the building, such as a car parked outside, or neighbour’s home.
  • Do not re-enter the building without approval from the authorities.

 

Reporting the Claim

If you don’t have the SmartKit app on your smartphone, call Orr Insurance & Investment at the first opportunity, or contact the insurance company directly at the 1-800 number they provided. A Claims Representative from your insurer will work with you to confirm the details of the loss and guide you throughout the claims process.

Prepare a list and description of what has been damaged or lost. Take pictures or video if possible. You may be asked to provide proof of ownership and/or original invoices to support your claim. Do not dispose of damaged personal property without first notifying us.

For a financial estimate of the damages, you could use a preferred vendor of the insurance company or you may call a local contractor of your choice. Estimates will be reviewed by the insurer.

Restoration work – if the work is completed by a preferred vendor of the company, the insurance company will warranty the work of the contractor.

 

In the event of water damage:

  • Stay safe. Do not enter a flooded basement unless you have turned off the main electrical supply.
  • Protect your property – After ensuring the electricity in the affected area is turned off at the source, you may take reasonable steps to prevent further damage.
  • Do not handle items damaged by sewer backup.
  • For all other water sources, remove property that has not been damaged from the affected areas or move them off the floor.
  • Make sure valuables and important documents are stored in a safe, dry place.
  • If the problem occurs in winter, maintain normal heat and avoid raising the thermostat.
  • If the plumbing or heating system is frozen, turn off the water supply before restoring heat.

 

Reporting the Claim

Report the incident by calling your Orr Insurance Broker or call the insurer directly at the 1-800 number they provided with your policy.

Prepare a list and description of what has been damaged or lost. Take pictures or video if possible. You may be asked to provide proof of ownership and/or original invoices to support your claim. Do not dispose of damaged personal property without first notifying us.

 

For a financial estimate of the damages, you could use a preferred vendor of the insurance company or you may call a local contractor of your choice. Estimates will be reviewed by the insurer.

Restoration work – if the work is completed by a preferred vendor of the company, the insurance company will warranty the work of the contractor.

 

In the event of a burglary:

  • Safety first. If you arrive to find your home has been broken into, do not enter the house.
  • Call the police immediately.
  • Once you have called the police, wait for them in a safe place, like a car or neighbour’s house.

 

Reporting the Claim

When you know it is safe to enter your home, have a look around to see what has been stolen or damaged. Make a preliminary list and where possible, take pictures of the damages. Do not dispose of damaged personal property without first notifying us.

Report the incident by calling your Orr Insurance Broker or call the insurer directly at the 1-800 number they provided with your policy. An insurance adjuster will be in touch with you to confirm the details and guide you through the claims process.

Prepare a list and documents of what has been damaged or stolen. You may be asked to provide proof of ownership and/or original invoices to support your claim.