How long does a property insurance claim take in Ontario?

The time it takes to resolve a property insurance claim in Ontario depends on the nature of your loss, the strength of your documentation, and how your insurer responds. A clear, well-supported claim tends to move through the process much faster than one the insurer chooses to dispute.

The Ontario 60-Day Payment Rule.

Under Ontario law, once you submit a completed proof of loss, your insurer is generally required to pay a valid claim within 60 days. This rule is meant to protect policyholders, but insurers can extend the timeline when they raise questions, request more information, or dispute the claim.

What Can Delay Your Property Claim.

Several factors can slow down a home insurance claim in Ontario, including:

• Incomplete documentation, such as missing receipts, photos, or repair estimates
• A late or improperly filed proof of loss
• Disputes over the cause of loss, like water damage versus flooding
• Undervaluation of your property or belongings
• Insurer bad faith, including unreasonable delays or repeated requests for the same information

How to Help Speed Up Your Claim.

1. Report the loss to your insurer promptly.
2. Gather and organize all documentation, including photos, receipts, and estimates.
3. Submit a complete, accurate proof of loss within the required timeframe.
4. Keep detailed notes of every conversation with your insurer.

If your Ontario property insurance claim is being delayed, undervalued, or denied, you do not have to navigate the process alone. Contact Gluckstein Lawyers today for a free, no-obligation consultation, and let us help you pursue the compensation you deserve.