File a Claim

To file a claim, call BCM at (905) 735-1234 during business hours Monday to Friday, 8:30 AM to 4:30 PM, or contact your insurance advisor directly. For losses outside business hours that need immediate response, the same number routes you to our after-hours claims service. You can also start a claim through the form on this page.

Our goal is to acknowledge every claim within one business day and have an adjuster in contact with you as soon as possible. Major weather events can stretch those timelines, but claims that need urgent attention are triaged first.

Sometimes, but not always. The impact depends on the type of loss, the claim amount, your previous claims history, and whether the loss reflects an underlying risk that has changed. A single weather-related home claim against many years of clean history usually has a smaller effect than a pattern of claims. BCM’s mutual model means we are not under pressure to penalize loyal policyholders to satisfy shareholders.

First, make sure everyone is safe and call emergency services if needed. If it’s safe to do so, take steps to prevent further damage, such as shutting off the water at the main valve, covering broken windows, or boarding up openings. Document everything with photos, keep receipts for any temporary repairs or emergency expenses, and contact BCM as soon as you can. Keep damaged items until an adjuster has seen them.

Major weather events such as a regional ice storm, widespread flooding, or a windstorm trigger our catastrophe response. We bring in extra adjuster capacity, prioritize claims by severity, and coordinate with Farm Mutual Re for additional resources when an event affects many policyholders at once. The network of more than 30+ Ontario mutuals behind BCM was built so that no single member company faces a major event alone.