When it comes to claims, our companies are professional and prompt in settling legitimate claims.

See what our customers have to say in a survey about our service.
Claim Service Survey December 2008
Claim Service Survey November 2009

We work with our Insurance Companies to prevent fraud.  Fraud hurts us all.

ASK THE ADJUSTER WEB SITE

The following link may be helpful when you have a claim. The adjuster will assist you with the claim and settle it with the insurance company. Be sure to be honest and clear with them. They are there to help, but also to protect you and me from fraudulent claims that increase our premiums. We are here at J D Smith to give you advice at any time. We advise our clients NOT to put in small claims and loose the good claims discount you have with the company. Keep in mind that all claims are recorded and available to all companies for future policy rating. This helps keep the rates down for those of us with rare claims. Go to site...

A Bridge Too Small


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  • Sometimes we ask "stupid" questions or, maybe, the U/W asks "stupid" questions like, say, has the Insured surveyed route they are going to take?
  • Have they obtained approvals for the route from the local authorities?
  • Did they check the quality of the roads, clearance of overhead wires, bridges and tunnels.
  • Did they determine the CAPACITY of that little BRIDGE they were going to use?
  • Sometimes those "stupid" questions aren't so stupid after all.

A 14" Hole in the Wrong Place


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  • What happens when a 14" hole is drilled down through a lake into a salt mine?

  • Click here to see the details and consequences

Lucky To Be Alive


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  • Two photos of an accident that came very close to ending in disaster!

  • Click here to see what we mean

Unusual Claims


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  • Amazing photos of unusual insurance claims.

  • Click here to see what we mean

Don't Let This Happen To You

frozen_pipes.jpg (52118 bytes)
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  • If it is water damage, rent a wet vac!

  • Take photos

  • Try to repair what you can.

Reporting Your Claim

Call our office and speak to your Customer Care Representative.
1-800-917-SAVE

  1. Remember, leakage claims are not covered.
  2. Damage must be caused at your location.
  3. Hydro outage or surges are not normally covered.
  4. Your deductible may be more than your claim.

In today's insurance climate, it is wise to pay small claims yourself.

Emergency Claims 24 / 7

Commercial Claims - For any company, if you cannot reach them directly using the numbers below, our 24 hour hotline is 1-888-224-5677 for fire or water damage when you have a large claim. This line is to Crawford Adjusters who will assist you & will contact your insurance if you have tried the numbers below without success.

Emergency Company Contacts 24 / 7

We have set up a direct line for you to call the Insurance Company for large emergency claims. Direct contact with your Insurance Company 24/7 is possible.  Note: If you have a small claim, it may be wise to check with our office first.

Aviva Insurance 1-800-590-5003
AXA Insurance 1-800-268-8865
AXA Insurance, glass claims 1-877-762-2244
Chieftain Insurance 1-800-661-5522
CHUBB Insurance 1-800-532-4822
Dominion Insurance 1-800-661-5522
Ecclesiastical Insurance 1-888-224-5677
Economical Insurance 1-800-607-2424
ING Insurance 1-866-464-2424
Jevco Insurance 1-866-864-1112
Novex Insurance 1-866-464-2424
Perth Insurance 1-800-607-2424
Pembridge Insurance 1-800-387-0462
Pembridge Insurance, glass claims 1-888-437-3636
Pilot Insurance 1-888-887-4568
Wawanesa 1-800-268-7300
York Fire Insurance 1-866-864-1113
Zurich Insurance 1-800-387-5454

Winners of the Annual Stella Awards

The Stella's are named after 81-year-old Stella Liebeck who spilled coffee on herself and successfully sued McDonalds. That case inspired the Stella Awards for the most frivolous successful lawsuits in the United States. 

5th place (Tied)
Kathleen Robertson of Austin, Texas was awarded $780,000 by a jury of her peers after breaking her ankle tripping over a toddler who was running inside a furniture store. The owners of the store were understandably surprised at the verdict, considering the misbehaving toddler was Ms.Robertson's Son.

5th place (Tied)
19-year-old Carl Truman of Los Angeles won $74,000 and medical expenses when his neighbour ran over his hand with a Honda Accord. Mr. Truman apparently did not notice there was someone at the wheel of the car when he was trying to steal the hubcaps.

5th place (Tied)
Terrence Dickson of Bristol, Pennsylvania was leaving a house he had just finished robbing by way of the garage door. He was not able to get the garage door to go up since the automatic door opener was malfunctioning. He could not reenter the house because the door connecting the house and garage locked when he pulled it shut. The family was on vacation and Mr. Dickson found himself locked in the garage for 8 days. He subsisted on a case of Pepsi he found and a large bag of dry dog food. He sued the homeowner's insurance claiming the situation caused him undue mental anguish. The Jury agreed to the tune of $500,000.

4th Place
Jerry Williams of Little Rock, Arkansas was was awarded $14,500 and medical expenses after being bitten on the buttocks by his next door neighbour's Beagle dog. The Beagle was on a chain in its owner's fenced yard. The award was less than sought because the jury felt the dog might have been a little provoked at the time as Mr. Williams, who had climbed over the fence into the yard, was shooting it repeatedly with a pellet gun.

3rd place
A Philadelphia restaurant was ordered to pay Amber Carson of Lancaster, Pennsylvania$113,500 after she slipped on a soft drink and broke her coccyx (tailbone). The beverage was on the floor because Ms.Carson had thrown it at her boyfriend 30 seconds earlier during an argument.

2nd Place
Kara Walton of Claymont, Delaware sued the owner of a nightclub in a neighbouring city when she fell from the bathroom window to the floor and knocked out two of her front teeth. This occurred whilst Ms.Walton was trying to crawl in through the window of the Ladies Room to avoid paying the $3.50 cover charge. She was awarded $12,000 and dental expenses.

1st Place
This year's runaway winner was Mr. Merv Grazinski of Oklahoma City, Oklahoma. Mr. Grazinski purchased a new Winnebago motorhome. On his trip home from an OU football game, having driven onto the freeway, he set the cruise control at 70 mph and calmly left the drivers seat to go into the back and make himself a cup of coffee. Not surprisingly, the RV left the freeway, crashed and overturned. Mr. Grazinski sued Winnebago for not advising him in the owner's manual that he could not actually do this. The jury awarded him $1,750,000 plus a new Winnebago Motor Home. The company actually changed their manuals on the basis of this suit just in case there were any other complete morons buying their recreation vehicles.

 
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