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JD Smith Insurance Claims Information
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Click here for the Toronto Star Article
Try to prepare with a Sewer Back Flow Valve
Seal all basement windows
Check your policy
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J D Smith Insurance & Economical Insurance Claims Response Video shows how they helped policyholders restore their lives and businesses, and process claims quickly and fairly.
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When it comes to claims, our companies are professional and prompt in settling legitimate claims.

We work with our Insurance Companies to prevent fraud.  Fraud hurts us all. Please report suspected fraud.

See what our clients have to say in a survey about our service.
Claim Service Survey December 2008
Claim Service Survey November 2009

Claim Service Survey October 2012

The following link may be helpful when you have a claim. The adjuster will assist you with the claim and settle it with the insurance company. Be sure to be honest and clear with them. They are there to help, but also to protect you and me from fraudulent claims that increase our premiums. We are here at J D Smith to give you advice at any time. We advise our clients NOT to put in small claims and loose the good claims discount you have with the company. Keep in mind that all claims are recorded and available to all companies for future policy rating. This helps keep the rates down for those of us with rare claims. Go to site...
Emergency Company Contacts 24 / 7

We have set up a direct line for you to call the Insurance Company for large emergency claims. Direct contact with your Insurance Company 24/7 is possible.  Note: If you have a small claim, it may be wise to check with our office first.

Aviva Insurance 1-800-590-5003
Dominion Insurance
Chieftain Insurance
Travelers Insurance
Ecclesiastical Insurance 1-888-224-5677
Economical Insurance 1-800-607-2424
Intact Insurance 1-866-464-2424
JEVCO Insurance 1-866-864-1112
Perth Insurance 1-800-607-2424
Unica Insurance 1-866-864-1113
Wawanesa 1-800-268-7300
Reporting Your Claim

Call our office and speak to your Customer Care Representative.
  1. Remember, leakage claims are not covered.
  2. Damage must be caused at your location.
  3. Hydro outage or surges are not normally covered.
  4. Your deductible may be more than your claim.
In today's insurance climate, it is wise to pay small claims yourself.
Emergency Claims 24 / 7

Commercial Claims - For any company, if you cannot reach them directly using the numbers above, our 24 hour hotline is 1-888-224-5677 for fire or water damage when you have a large claim. This line is to Crawford Adjusters who will assist you & will contact your insurance if you have tried the numbers above without success.
A Bridge Too Small

Click to see the full series
  • Sometimes we ask "stupid" questions or, maybe, the U/W asks "stupid" questions like, say, has the Insured surveyed route they are going to take?
  • Have they obtained approvals for the route from the local authorities?
  • Did they check the quality of the roads, clearance of overhead wires, bridges and tunnels.
  • Did they determine the CAPACITY of that little BRIDGE they were going to use?
  • Sometimes those "stupid" questions aren't so stupid after all.
A 14" Hole in the Wrong Place

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  • What happens when a 14" hole is drilled down through a lake into a salt mine?

  • Click here to see the details and consequences

Lucky To Be Alive

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  • Two photos of an accident that came very close to ending in disaster!

  • Click here to see what we mean

Unusual Claims

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  • Amazing photos of unusual insurance claims.

  • Click here to see what we mean

Don't Let This Happen To You
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Click to enlarge
  • If it is water damage, rent a wet vac!

  • Take photos

  • Try to repair what you can.

Giant Mine Widows Denied $10.7-Million Award
Giant Mine Widows Denied $10.7-Million Award
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The Supreme Court of Canada has sided with the Northwest Territories Court of Appeal in overturning a lower court award of $10.7 million to the families of nine miners murdered in 1992.

Roofer Liable for $2.3 Million in Damages for Church Fire
Roofer Liable in Church Fire
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The Supreme Court of British Columbia recently found Sur-Del Roofing Limited responsible for a 2004 fire that destroyed a Mennonite Church in Abbotsford, B.C.

Winners of the Annual Stella Awards

The Stella's are named after 81-year-old Stella Liebeck who spilled coffee on herself and successfully sued McDonalds. That case inspired the Stella Awards for the most frivolous successful lawsuits in the United States. 

5th place (Tied)
Kathleen Robertson of Austin, Texas was awarded $780,000 by a jury of her peers after breaking her ankle tripping over a toddler who was running inside a furniture store. The owners of the store were understandably surprised at the verdict, considering the misbehaving toddler was Ms. Robertson's Son.

5th place (Tied)
19-year-old Carl Truman of Los Angeles won $74,000 and medical expenses when his neighbour ran over his hand with a Honda Accord. Mr. Truman apparently did not notice there was someone at the wheel of the car when he was trying to steal the hubcaps.

5th place (Tied)
Terrence Dickson of Bristol, Pennsylvania was leaving a house he had just finished robbing by way of the garage door. He was not able to get the garage door to go up since the automatic door opener was malfunctioning. He could not reenter the house because the door connecting the house and garage locked when he pulled it shut. The family was on vacation and Mr. Dickson found himself locked in the garage for 8 days. He subsisted on a case of Pepsi he found and a large bag of dry dog food. He sued the homeowner's insurance claiming the situation caused him undue mental anguish. The Jury agreed to the tune of $500,000.

4th Place
Jerry Williams of Little Rock, Arkansas was was awarded $14,500 and medical expenses after being bitten on the buttocks by his next door neighbour's Beagle dog. The Beagle was on a chain in its owner's fenced yard. The award was less than sought because the jury felt the dog might have been a little provoked at the time as Mr. Williams, who had climbed over the fence into the yard, was shooting it repeatedly with a pellet gun.

3rd place
A Philadelphia restaurant was ordered to pay Amber Carson of Lancaster, Pennsylvania$113,500 after she slipped on a soft drink and broke her coccyx (tailbone). The beverage was on the floor because Ms. Carson had thrown it at her boyfriend 30 seconds earlier during an argument.

2nd Place
Kara Walton of Claymont, Delaware sued the owner of a nightclub in a neighbouring city when she fell from the bathroom window to the floor and knocked out two of her front teeth. This occurred whilst Ms. Walton was trying to crawl in through the window of the Ladies Room to avoid paying the $3.50 cover charge. She was awarded $12,000 and dental expenses.

1st Place
This year's runaway winner was Mr. Merv Grazinski of Oklahoma City, Oklahoma. Mr. Grazinski purchased a new Winnebago motorhome. On his trip home from an OU football game, having driven onto the freeway, he set the cruise control at 70 mph and calmly left the drivers seat to go into the back and make himself a cup of coffee. Not surprisingly, the RV left the freeway, crashed and overturned. Mr. Grazinski sued Winnebago for not advising him in the owner's manual that he could not actually do this. The jury awarded him $1,750,000 plus a new Winnebago Motor Home. The company actually changed their manuals on the basis of this suit just in case there were any other complete morons buying their recreation vehicles.

RIBO JD Smith Insurance Brokers
105 West Beaver Creek Rd.
Richmond Hill, ON, L4B 1C6
Tel: 905-764-7868
Fax: 905-764-9618
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