Definition : Insurance - Claims adjuster

A representative of the insurer generally mandated to

He must hold a “certificat d’expertise en règlement de sinistres” (expert certificate in settlement of loss) issued by the “Autorité des marches financiers” (Financial Market Authority) and be a member of the “Chambre de l’assurance de dommages” (Damage Insurance Chamber).

Related articles


Le fonds d’auto assurance est affecté au paiement des franchises prévues par les assurances souscrites par le syndicat et d'un montant additionnel raisonnable Questions : Qu'est-ce qu'un montant additionnel raisonnable? Comment fait-on pour connaitre la somme additionnelle? On doit se fier sur quoi exactement pour définir la somme additionnelle?
Login / Register to read this article
Your co-ownership is exposed to various risks, as an example, fires, water damages, theft and acts of vandalism, which are required to be insured against. When a loss occurs, the insurance of a co-ownership covers the building as well as the general liability of the syndicate of co-owners. For the syndicate, subscribing to this type of insurance is mandatory. The law and most Acts of co‑ownership require it. The insurance contract specifies the coverages offered, as well coverage limits and exclusions, in addition to the deductible amounts.
View more
Mathieu joined Crawford in 2009. He has 18 years of experience in the insurance field. First hired as a property and casualty insurance agent, he then became a claims adjuster, an expertise he refined within independent claims adjuster firms. He handles files related to divided co-ownership properties as well as general liability, mainly for files concerning syndicates of co-owners and their administrators. His first experience with a divided co-ownership property was a significant loss (over $750,000), when a dishwasher caught fire in an apartment on the 16th floor of a high-end residential tower. Since then, he has taken interest in the issues divided co-ownership losses entail.  In fact, he received training in this area from Emeritus Lawyer Yves Joli-Coeur.
View more
In the event of a claim, the insured, whether a co-owner or a syndicate of co-owners, must declare its occurrence to his insurer. The latter will generally appoint a claims adjuster who will guide him through the steps of the claim. The claims adjuster may also be mandated by syndicates of co-owners. This reality is even more true because of the importance of the insurance deductibles, sometimes unreasonable, that they have to bear, leaving them with all the responsibility of managing the loss. Investigating the circumstances of a disaster, assessing the damage caused by a claim and negotiating a settlement are the three key functions of this certified professional.  
View more
Une nouvelle réalité frappe plusieurs syndicats de copropriétaires au Québec: la perte de leur assureur, et l'obligation, dans plusieurs cas, de se tourner vers le marché de l'assurance secondaire, où les primes et les franchises sont prohibitives.
View more
Gérer un sinistre ne se résume pas à appeler son assureur et attendre la suite des choses. En cas de sinistre, seriez-vous prêt à y faire face?
View more
After being victims of a loss, the members of the board of directors and the affected co-owners are often caught off guard. How will things unfold? There is no need to worry or panic, because in principle, once the notice of loss completed, various stakeholders get involved: the insurer of the syndicate, but also that of co-owners and lessees, who will respectively designate their own claim adjuster. Generally the co-owners affected by a loss, as well as the syndicate, believe that making a claim is always the right thing to do. This is true in many cases, but sometimes the syndicate might want to refrain from doing so.  
View more
Water damage is the leading cause of loss in co-ownership. It is more and more costly, for syndicates and their insurers. In the last ten years, occurrences of water damages in co-ownership have more than doubled. Lack of maintenance, sub-standard construction and climate changes are the main culprits.  In most cases water damage affects equally common and private portions, thus it is one of the most complex loss to adjust.
View more
Effective management of a loss (e.g. water damage and fire) requires the implementation  of prompt and effective actions so that your building is repaired in the best delays. This article is a summary, of the precautions to be taken and a check list of things to do once you become aware of a loss, whether in a private or common portion of your immovable.
View more
Water damage is the leading cause of loss in co-ownership. It is more and more costly, for syndicates and their insurers. In the last ten years, occurrences of water damages in co-ownership have more than doubled. Lack of maintenance, sub-standard construction and climate changes are the main culprits. In most cases water damage affects equally common and private portions, thus it is one of the most complex loss to adjust.  
View more
Water damage has just occurred in my private portion. Question: Should I call my insurer, my plumber or my lawyer?
Login / Register to read this article