Fire and weather damage claims

Am I covered?

You are covered if you have ICBC Comprehensive or Specified Perils insurance.

When you report a claim, your claims representative will confirm your coverage and next steps, either on the phone or in writing.

Note: Some claims may take longer for coverage to be confirmed. Please keep your receipts for any out-of-pocket claim costs for reimbursement consideration.​

Steps of your fire or weather damage claim

Here's what to do and what to expect when you make your claim.

Step 1: Get police and fire reports

If the police and fire departments attended, there will be report file numbers from both emergency services departments. Be sure to have the file numbers handy before reporting your claim.

Step 2: Report your claim online or by phone

Report your claim online or by phone.

Step 3: Speak with your claims representative

Your claims representative will review your coverage and take your statement, including whether you notified your local fire department and whether an incident number was assigned.

When you make your claim, we will let you know where you may get an estimate done.

Step 4: Get an estimate of the damage

An estimator examines the damage to your vehicle, then writes up an estimate of the repairs needed. Find out more about Getting a damage estimate.

The process will vary depending on whether you select an ICBC Repair Network facility or another repair shop.

If your vehicle is not repairable​

If it's not economical to repair your vehicle, you'll typically receive a payment based on the vehicle's fair market value. Find out more about what happens if your vehicle isn't repairable.​

Step 5: Deductibles and additional repair costs

You'll need to pay the Comprehensive or Specified Perils deductible. This is the amount you have to pay toward repairs or costs before your insurance pays for the rest.