Insurance notification checklist

Identify the policy and the reported event

Use this checklist to prepare a factual notification enquiry. A complaint about workmanship is not automatically insured. Commercial liability, professional liability, builders risk and new-home warranty arrangements may respond differently. A broker acknowledgement is not a coverage decision.

Project complaint and item ID

Contracting entity and insured entity

First reported condition and date

Event or damage date if known

Broker insurer policy number and period

Potential policy types and wording obtained

• Preserve the complaint demand or legal document and its receipt details.
• Describe alleged defective work separately from resulting damage or injury.
• Record who performed the work and any design or subcontract involvement.
• Ask the broker or insurer to identify notice method recipient and applicable requirements from the actual wording.
• Record urgent measures taken to protect people and property and the evidence preserved.

Record notification without assuming coverage

Notification sent date recipient and attachments

Delivery confirmation and claim reference

Adjuster or reviewer and verified contact

Coverage position received and exact document

Unresolved requirements and next follow-up

Fictional distinction

Replacing an incorrectly installed trim item and investigating water damage behind a wall are different cost categories. List both accurately; do not describe either as covered until the provider’s position and relevant policy terms have been reviewed.

BC Housing’s linked guidance concerns BC new-home warranty claims only. It cannot establish coverage under a contractor’s liability policy or another province’s program.

Before you act: this document is general information prepared by ArtBuild to help you organise facts and paperwork. It is not legal advice and has not been reviewed by a lawyer for your situation. Rules differ by province and territory and change over time. Check the official source for your project, and for deadlines, liens, court or insolvency steps, speak with a lawyer licensed where the project is located.