1. Once we receive your Proof of Loss form, we will review it and send you a letter confirming that it has been received.  This letter may also include a request for additional documentation or information not contained in the Proof of Loss.  This additional documentation may include, but is not limited to, agreements of purchase and sale, city orders, invoices, property searches and plans, etc.
2. After the receipt of the proper information and documentation, we will conduct an investigation into your Claim.  We may retain certain outside consultants (which may include, but are not limited to, adjusters, lawyers and engineers) to help us with our investigation into your Claim.
3. If, after our investigation, we determine that your Claim is not covered by your TitlePLUS policy, we will send you a letter that includes a clear explanation as to why your Claim was denied.  If you disagree with our decision, please follow the steps outlined in our complaint handling protocol on our Feedback page.
4. If, after our investigation, we determine that your Claim is covered by your TitlePLUS policy, we will send you a letter advising you of our position and the steps we intend to take to satisfy your Claim.  The particulars of the steps we may take can be found in the policy and may include, but are not limited to, making a payment to you or endeavouring to make the repairs on your behalf.
5. If you disagree with our proposed steps to satisfy your Claim, you will be given an opportunity to provide us with a proposal of your own that contains a cost outline.  If you disagree with how we rectify the issue and settle the Claim, please follow the steps outlined in our complaint handling protocol on our Feedback page
6. When the Claim is resolved with a payment, you will be required to sign a Full and Final Release before funds are sent to you.  If there are any mortgage lenders (mortgagee(s)) insured under the TitlePLUS policy, they may also be required to sign the Full and Final Release.  Also, in accordance with the terms of the policy, any settlement funds are made payable first to the mortgagee(s) and any remaining funds will be paid to you, subject to any agreement to the contrary made with the mortgagee(s).

 Note:  If you are a resident of Saskatchewan, you may contact the Superintendent of Insurance at:
Superintendent of Insurance
Insurance and Real Estate Division
Financial and Consumer Affairs Authority
Suite 601, 1919 Saskatchewan Drive
Regina, SaskatchewanS4P 4H2
Phone: 306-787-6700
Email: [email protected]