After a major property loss, understanding your insurance policy helps you prepare your claim. Expertises LMS assists policyholders throughout Quebec with reviewing relevant coverage, documenting losses and discussing their claim with their insurer.
We work to document and pursue all losses covered by your insurance policy. Compensation depends on the coverage, terms and limits that apply to your claim.
Our experts bring more than 65 years of combined claims adjustment experience. Hundreds of satisfied clients have placed their trust in Expertises LMS.
Understanding the coverage relevant to your loss
An insurance policy includes several documents and conditions. Our review focuses on the provisions relevant to your claim, including coverage, exclusions, limits, deductibles and endorsements. We examine these provisions alongside the available information about the loss.
The aim is to clarify coverage questions and identify the information needed to support your claim. A policy review does not guarantee that a loss will be covered or that a particular settlement amount will be paid.
How does an insurance policy review work?
1. Gathering the documents
We review your policy, endorsements and available records, including the loss report, correspondence with your insurer, assessments and settlement offers. Bring whatever documents you already have to your first consultation.
2. Examining the relevant provisions
We identify the provisions to examine based on the reported damage and the questions raised in your claim. Each provision needs to be considered alongside the rest of the policy and the circumstances of the loss.
3. Connecting losses with supporting evidence
The policy review goes hand in hand with documenting the damage. Depending on the scope of our engagement, we gather useful information and identify points that require clarification.
Learn more about our damage assessment service.
4. Supporting discussions with your insurer
When you retain us, we represent your interests in discussions with your insurer and help you review the explanations and offers you receive. Settlement negotiations are based on your policy, documented damage and available evidence.
The types of policies we review
We assist policyholders with major losses affecting properties such as:
- residential properties, including houses, cottages and apartment buildings;
- commercial properties, including shops and agricultural businesses;
- institutional buildings;
- industrial properties.
Whether we can accept an engagement depends on the circumstances of the claim. LMS handles major losses including fires, explosions and structural collapses. We do not handle water damage claims.
For fire damage, explore our support for fire insurance claims in Quebec.
Missing information or a disagreement about coverage?
Share the documents and explanations you have received from your insurer. The implications of an inaccurate statement, an exclusion or a coverage disagreement need to be assessed in light of the circumstances. General information alone cannot determine the outcome of your claim.
Our support focuses on clarifying the issues and organizing the relevant information. If a question requires legal advice, consult a lawyer.
Notify your insurer as soon as possible after the loss. Seeking assistance should not delay this step or urgent safety measures.
Free consultation and professional fees
The initial consultation is free. If you retain us, LMS’s fees are deducted from the insurance settlement paid at the end of the settlement process, as set out in the written engagement agreement. You are responsible for these fees. Take time to understand the services included and the payment terms before signing.
In past claims handled by LMS, additional settlement amounts obtained have offset our fees. Results vary from case to case; this outcome is not a guarantee for your claim.
Discuss my insurance claim with LMS
Questions about reading your insurance policy
Which documents make up my policy?
The policy wording, conditions and endorsements may work together. Gather the versions available, particularly those in effect on the date of the loss. A summary or certificate may not contain all the details needed to review the claim.
Can a deductible or limit affect my claim?
These are among the terms to review. How they apply depends on the policy and the circumstances. A general example alone cannot establish the settlement amount for a particular claim.
Why are different property values discussed?
The purchase price, the condition of an item and its replacement cost are different pieces of information. Your policy terms determine what needs to be considered. Bring the assessments and explanations you have received so that outstanding questions can be identified.
To connect the documents with the losses to describe, explore our damage assessment service.