At Mutual Fire Insurance, we are here for you when you need us. Our dedicated claims team and experienced network of broker partners, independent adjusters, and contractors will work with you to answer your questions, provide real solutions, and get you back to normal as quickly as possible. This means you can expect:

  1. Prompt response – Once your claim is reported, you can expect a call from a claims adjuster to discuss your claim and arrange an inspection, if necessary.
  2. Clear overview of the claims process – Your claims adjuster will answer your questions and guide you through the process of completing forms, obtaining estimates, submitting invoices and receiving payments.
  3. Regular Communication – You will have direct contact with a dedicated claims adjuster who will handle your claim from start to finish. No need to speak to a different person each time.
  4. Fair Settlement – We review your policy to ensure the settlement you are given accurately reflects coverage that was purchased.


When you need to make a claim, we are here to help and so is your broker. Your broker can look after the claims details. So, no matter what kind of claim you are reporting, the first step is to contact your insurance broker.

For claims reporting Monday to Friday 8:30am to 4:30pm PT, please email claimsreporting@mutualfirebc.com

For emergencies after hours, contact the 24-hour emergency service phone number for your province.

British Columbia — 855.535.0554

Alberta, Saskatchewan, Manitoba, Ontario — 877.896.0113

We will assign a claims adjuster to gather information about your loss and make recommendations on a settlement. We ask that you:

  • Complete and return any forms required by the adjuster.
  • Be prepared to give statements and other documentation when requested.
  • Assist with obtaining repair estimates.
  • Notify your adjuster of any concerns or problems along the way.

Your adjuster will work with you to facilitate payment of your claim. Keep track of everything you spend to get your home or business back to normal.

We strive to provide you with prompt, fair, and efficient claims service. Your feedback is important to us and you’ll be asked to complete an online survey after your claim is complete.