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Most claim frustration comes from a mismatch between what people think a policy covers and what the written contract actually says. This site explains common outcomes in plain language, without sales pitches or pressure.
Scope: We focus on how insurance claims typically work in practice. Content is written “Canada-first” but aims to be globally readable. For legal/contract specifics, always refer to your policy wording and provider.
Pick your question
Exclusions, conditions, timelines, and documentation — the common drivers.
Why gradual damage is treated differently than sudden events.
Depreciation, limits, and “actual cash value” explained.
Steps insurers typically follow and what creates delays.
What we don’t do
- We don’t provide legal advice or tell you what to do in your specific claim.
- We don’t sell insurance, collect leads, or route you to brokers.
- We don’t publish personal data or request sensitive documents.
If you want to reach the site owner, use the support ticket link. We don’t publish an email address to reduce spam.