HAUSE guide · documentation
Documenting concrete damage for an insurance question
If you’re asking your insurer about damaged or settled concrete, clear records help. Here’s how to gather them — and where a concrete assessment fits.
What this page is — and isn’t
- This website collects concrete assessment requests. Coverage and claims are handled by your insurer; submitting this form does not file a claim or notify your insurer.
- This assessment request does not file a claim, contact your insurer for you, or determine what your policy covers. Ask your insurance representative about your policy.
- A HAUSE request is for a concrete assessment. The contractor can describe the slab’s condition; that description does not determine coverage.
Record what you see
- From stable, safe ground, take dated photos: the whole area, the worst joint or crack, where water comes from, and a tape measure for scale.
- Write short factual notes: what moved, where, when you first noticed, and any recent events such as heavy rain or a leak.
- Keep your notes, photos and any related receipts together.
What the Insurance Bureau of Canada suggests
In its general guide to home insurance claims, the Insurance Bureau of Canada describes three steps: when it’s safe, document the damage in detail with photos and notes and keep related records and receipts; report the damage to your insurance representative promptly with complete, accurate details; and complete a proof-of-loss form if your insurer asks for one. It also suggests getting familiar with your own policy and asking your representative or adjuster any specific questions. Whether and how any of this applies to concrete depends on your policy and insurer.
Source (paraphrased): Insurance Bureau of Canada, “How to File a Home Insurance Claim”. Read the original for full details.
Ask your insurer
- Whether your situation is something to report under your policy
- Which documents or photos they need
- Whether they want a contractor’s written description of the concrete, and what it should cover
Conceptual illustration
Documenting concrete damage for an insurance question
Record what you see, ask your insurer what they need, then request a concrete assessment if it helps. The assessment does not decide coverage.
- 1
Document observations
From safe ground, take dated photos and write down factual notes: what moved, where, and when you noticed.
- 2
Contact your insurer
Ask your insurance representative about your policy and which documents they need.
- 3
Clarify the scope
Confirm what they want described — for example the slab’s condition, or a contractor’s written observations.
- 4
Request a concrete assessment
If useful, ask HAUSE for a concrete assessment. It records the slab; it does not determine coverage.
Steps 1–3 are between you and your insurer. HAUSE only handles step 4 and does not file claims, notify insurers or decide coverage.
Text version
- Document observations: From safe ground, take dated photos and write down factual notes: what moved, where, and when you noticed.
- Contact your insurer: Ask your insurance representative about your policy and which documents they need.
- Clarify the scope: Confirm what they want described — for example the slab’s condition, or a contractor’s written observations.
- Request a concrete assessment: If useful, ask HAUSE for a concrete assessment. It records the slab; it does not determine coverage.
- HAUSE does not file claims, contact insurers or decide coverage.
Request a concrete documentation assessment
If a written look at the slab would help, send a request. You’ll choose “Insurance-related documentation” in the form (it’s preselected from this page). Please leave policy and claim numbers out. Submitting does not file a claim or notify your insurer.
Request concrete documentation assessment© PolyJacking.ca · part of HAUSE · info@hause.ca. General information, not insurance or legal advice.