6 Steps in Processing a Claim


    Contact Your Broker

    Your broker is the primary contact to initiate a claim.  They can advise on how to proceed and will advocate on your behalf.  It’s helpful to provide your broker with a detailed list of all the items that were damaged or lost, and any photos or videos that help to explain the circumstances.  Your broker will contact Edge Mutual, and an adjuster will follow up to continue the claims process.  You also have the option to call Edge Mutual directly at any time if you need help or advice with a claim.  In an emergency, or for assistance after normal work hours, you may call Edge Mutual at: 1-519-741-3084


    Claim Investigation Begins

    After the claim has been reported, it will need to be investigated by an adjuster to determine the amount of loss or damages covered by your insurance policy. The adjuster will also identify any liable parties, and you can help the process by providing any witness information or other parties’ contact information.  Your adjuster will need to speak with you personally about all of this. 


    Policy Review

    Once the investigation is complete, the adjuster will go through your policy carefully to determine what is and isn’t covered under your policy and inform you of any applicable deductibles that may apply to your claim. 


    Evaluation of Damages

    To accurately evaluate the extent of the damage, your insurance adjuster may hire appraisers, engineers, or contractors to lend their expert advice. Once the evaluation is complete, your adjuster will provide you with a list of preferred vendors to help with repairs. You may use your own vendors and/or contractors if you wish.


    Claim Payment

    After repairs have been completed and lost or damaged items have been replaced, your adjuster will contact you regarding settlement of your claim and payment.  We strive to settle your claim accurately and quickly, to help save you time and get you back to where you were before the loss. 


    Your Feedback

    We truly care about helping our policyholders, and our service standards are set high to reflect that commitment.  If the adjuster has gone above and beyond, we appreciate hearing about it.  Likewise, if there is room for improvement then please let us know that as well.  At the conclusion of a claim, we encourage you to complete the Claims Feedback questionnaire. 

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