Insurance Claim Support

If you need to initiate an insurance claim or require support with an existing claim, please call 1-877-925-2285. Be sure to have the name of your Insurance Provider and Policy Number available. This can be found on your car insurance pink slip or your home insurance policy document.

Insurance Claim Frequently Asked Questions

  1. How can I access govenment finanical assistance for flood damage?

    In response to the communities affected by the floods, the province of Nova Scotia announced disaster financial assistance for any household, small business, and not-for-profit that sustained uninsurable damages. Nova Scotians can now apply for disaster financial assistance related to damage from severe flooding.

    The program covers up to $200,000 in uninsurable losses per household, small business, and not-for-profit organization.Disaster financial assistance does not replace private insurance; only uninsurable damage is eligible.

    • If you are not sure your home insurance covers flood damage contact your Bauld Insurance representative or the Insurance Bureau of Canada at 1-844-227-5422.
    • The disaster financial assistance application includes a form to be filled out by the applicant’s insurance company confirming that insurance was not available for losses. Applications are assessed for eligibility, and losses are verified by an adjuster; processing can take several months. Applications can be obtained online, at Access Nova Scotia centres or at MLA offices.
  2. Who is an Insurance Claims Adjuster and what do they do?

    A Claims Adjuster, who works for your insurance provider, will be assigned to manage your claim. This person is your primary contact throughout your claim. The adjuster’s role is to investigate what happened, what coverage your insurance policy provides, determine the best course of action, and manage the process of getting your vehicle or home repairs completed to your satisfaction.

  3. Can I select a contractor or repair shop of my choice?

    It is your choice who gets assigned to repair your vehicle or home, however, contractors and repair shops who have experience working with insurance companies will make the process go smoother. There is generally a warranty provided from these vendors on the work they do.

    Your insurance company can also assist you in cases where there are workmanship issues when a preferred insurance vendor is used. In some cases, a preferred repair shop or contractor’s estimate will be accepted by an insurance company eliminating the need to have an appraiser evaluate the damages. This will reduce the time required to resolve your claim.

    Keep in mind, you will also be responsible for paying any deductible applicable to your claim.

    Your adjuster will provide any additional services if included in your coverage, such as a rental car while your vehicle is being repaired or additional living expenses if your home is unfit to live in.


  4. What happens if my vehicle is stolen or totaled?

    In the case of a vehicle being unrepairable or unrecovered in the case of a theft, the insurance company will make you a settlement offer based upon the value of your vehicle at the time of the loss. In the case of a newer vehicle, there may be a waiver of depreciation on your policy which protects you from any loss in value of your vehicle.

  5. How does an Insurance Deductible work?

    All insurance policies contain a deductible. This is the amount of the claim that you are responsible for paying. Generally, the insurance company will pay for claims above this deductible amount. The amount applicable to your claim is on your insurance documents, however, your Service Advisor will be able to advise you what deductible will apply to your claim. There are some auto claim cases where this deductible may be waived. This would be communicated to you by your assigned insurance adjuster.

  6. What is the role of an Insurance Claim Appraiser?

    A damage Appraiser will likely be assigned by your Adjuster to evaluate the damages to your vehicle or property. Their role is to provide an estimate of the repairs required for the damages.

  7. Will my insurance go up if I make a claim?

    There are several factors to consider and it really depends on your unique situation. With so many variables it’s difficult to determine the impact on your insurance premium until your next renewal. Here are a few things to consider.

    • In the case of an automobile collision claim, were you determined to be “at fault” for the incident?
    • In many cases, you might lose any claims-free discount you may have been receiving.
    • Is this your first claim in the last 5 or 10 years, or have you had a number of claims or similar claims?

    Whether you’re in a minor accident with no injuries or serious car damage, you may see an increase in your car insurance rates. But not every car accident will result in a rate increase. In this blog, we shed light on the sometimes complicated topic of Why insurance rates go up after a car accident?.


  8. What information will be requested when making a claim?

    It is highly recommended that you gather and keep all details related to your insurance claim. Be sure to take photos of damaged items, track down proof of purchase, keep receipts, collect all details and compile a list of damaged, destroyed, or stolen items.

    For car insurance claims, be prepared to provide the following details:

    • When and where the accident or damage occurred
    • Details on other vehicles and/or damaged involved, and description of damage to both your vehicle or other property
    • Information about passengers and witnesses, as well as any injury information
    • Police information, if applicable
    • Your insurance provider will determine fault for the collision and advise of next steps regarding repair and replacement

    If you are making a home insurance claim, you will be asked for the following details:

    • How the loss occurred, and the severity of the damage
    • When the loss occurred (date and time)
    • What steps you have taken so far to prevent further loss or repair damage Information regarding police or fire department involvement
    • You may be asked to make a sworn statement regarding the loss
    • Your adjuster will advise which forms need to be completed, as well as important timelines

The Bauld Insurance Claim Process

An insurance claim process has several steps and each claim is unique.  There are some key people and common terms you should expect as part of the insurance claim process.

Contact Claim Support

Our Bauld Insurance Team is here to help you through the claim process. If you have questions about the process or require help with an existing claim, we are here to provide additional support.  Please contact us during regular business hours at 1-877-925-2285 or by emailing