When accidents happen, we treat you like a neighbour, not a number.

    Salus Mutual knows how hard you work to ensure the security of your home, auto, business, and farm property.

    Fairness, compassion, and a quick response are important to our Claims Department. Our professional adjusting staff believe in providing expert service. That's why, in the event of a claim, we're there with immediate, detailed claims service to get you back on track as soon as possible.

    Submit a Claim

    We're here to help you prevent accidents and losses before they happen.

    At Salus Mutual, we are also your partner in loss prevention. At each of our branches, we stock smoke alarms, carbon monoxide alarms, water detectors, replacement batteries, surge protectors, car safety kits, reflector tape, vehicle deer whistles, and fire extingushers that we can provide to our policyholders for free or at a reduced cost.

    Accidents don't have a schedule, that's why we're always ready to help.

    When the unexpected happens, our Claims Team is always here to help when you need it most. Claims can be reported at our offices during regular business hours. If your loss happens outside these hours, you can reach us on our 24-hour emergency line (1-877-488-6642) or file a claim online through our website and we will get back to you within one business day. With Salus Mutual's strength and service behind you, you can get back to what's important - living!

    General Property Loss Tips:

    • If you have a property loss, it is important that you make every effort to prevent further damage to your property. Please wait until you have been contacted by an adjuster before tearing down or initiating any repairs to your property. If repairs are needed immediately to prevent further loss, please take photos of the damage.
    • Save receipts for materials you use. We will cover any reasonable cost associated with protecting your property if the loss is covered by your policy.
    • It's important to always keep the items that caused the damage until your claims adjuster tells you to dispose of them.
    • Make a list of damaged items and the damages to your home.
    • If you are planning on leaving home for an extended period (over four days), you MUST have a competent person check your home daily during the heating season OR turn off the water and drain the pipes for coverage to apply.
    • Maintaining a home inventory is very useful in case of a loss. Wherever possible, keep documents to prove the value of items, such as photos, invoices, or receipts. A spreadsheet may be a useful tool for assisting you in preparing this inventory.
    • It is helpful to have a video or pictures of your dwelling contents, should you ever need to replace damaged items. These videos or pictures should be shared with family members to prevent them from damage as a result of a loss.

    Submit a Claim