Reduce Your Loss Checklist

If you have experienced a loss that you believe to be covered by your policy, it is important to take steps that can help reduce your loss and ensure  your claims process runs smoothly.

1. Secure your property to reduce further damage. If you have experienced … 

  • Water damage—Shut off the water supply and remove excess water, lift personal property off the floor
  • Exposed roof decking—Have the exposed area covered to prevent further water damage
  • Split door jamb—Secure the door
  • Frozen pipes—Restore heat

2. Notify authorities

In cases of theft, burglary, robbery, vandalism, malicious acts or mysterious disappearance of property, you will need to:

  • Notify the police or authorities having jurisdiction
  • Supply Red River Mutual with information about the circumstances of the claim, as well as reasonable evidence to support the amount claimed
  • Supply Red River Mutual with an accurate description of the items damaged or stolen, where and when they were acquired, and the cost to replace each item

3. Report all property and liability losses

  • Report your claim as soon as possible. Choose any of the following to make a claim:
    • Speak directly to your broker
    • Complete our online claim form
    • Phone Red River Mutual’s Head Office at 1 (800) 370-2888
    • Fax Red River Mutual’s Head Office at 1 (866) 277-1341
    • Phone our ‘After Hours’ Claims Service at 1 (844) 324-4269
    • Email our Claims Department

4. Livestock losses

  • Contact a veterinarian*
  • Request a necropsy report stating the cause of death

*If the loss was caused by an insured peril of the policy, Red River Mutual will cover the associated veterinary fee.