Claim
A request asking an insurer to respond to a loss or event under an insurance policy.
Also called
insurance claim
What it means
The process of reporting a loss and seeking the benefits available under the contract.
Example
After covered water damage, a homeowner may report the loss and submit documents as part of a claim.
Canada context
Insurance wording and mandatory coverage can differ by province, insurer and policy form. Read the declarations, endorsements and full policy wording that apply to you.
Common confusion
Submitting a claim does not guarantee payment; the insurer still reviews coverage, evidence, limits and exclusions.
Important
This plain-language explanation is general information, not legal advice or a substitute for your policy wording. Ask a licensed insurance professional about your situation.
Last reviewed August 17, 2026
Sources
General information only. Coverage and terminology can differ by province, insurer, and policy wording. Consult your policy and a licensed insurance professional.