1.

A Zenith Claim Representative or Field Adjuster will be assigned, depending on the claim severity, to handle the claim. They will contact you to obtain full particulars of the loss.

2.

When your loss includes damage to your home, you must obtain an estimate from a contractor.

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Once the adjuster has reviewed the contractor's proposal and verified the loss is covered under your policy, you will be contacted to arrange a date for the repairs.

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You may also elect to participate in our Direct Repair Program, if there is one in your area. Under this program, a contractor will arrange to inspect any damages and, with your authorization, can begin repairs immediately or at your earliest convenience.

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If the damage is severe, you may arrange emergency temporary repairs to protect your property.

What if I want to use my own contractor?

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You may obtain a competitive quote. If you prefer a repairer of choice, please speak to our adjuster for further details. We will pay your repairer based on our contractor's price.

3.

Your adjuster will investigate the claim circumstances, evaluate your loss and
discuss settlement with you. The length of time it takes to conclude a claim may differ depending on the claim circumstances and severity.

Will I be compensated for the full amount of the repairs?

Compensation may vary in accordance with your individual coverage (speak to an adjuster for further details).