Insurance Dictionary
Claims reference

Canadian insurance claims glossary

Look up common P&C and claims terms in plain language while keeping policy wording and jurisdiction in view.
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Search locally stored coverage labels, abbreviations, and insurance terminology.

How it began
A practical project that grew over time.

Riskademy didn’t start as a product. It began as a weekend shortcut for cross-checking weather data against slip-and-fall and hail claims, informed by time spent working in Canadian P&C claims.

The side project gradually expanded as more useful questions and workflows came up. AI coding agents helped turn rough ideas into working pieces, while the focus stayed on making the experience clear and practical.

It is still an evolving collection of tools, references, and research aids—shaped by the kinds of questions that often arise while working a claim.

Help shape it

Found a rough edge or have an idea that would help on a file? Bugs, suggestions, and practical feedback are always welcome.

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Historical observations
Research a claim date
Locate the nearest ECCC station and review recorded conditions.
Select a past date. Historical availability depends on the selected station.
Use a specific city or address rather than a province alone.
Select one to three perils
Target the alleged cause of loss. Selected perils always remain visible in the findings.
Advanced options
Search output

The report compares station observations with regional reporting. It does not establish conditions at the exact loss location.

Official alert coverage Impacts can begin before—or continue after—an issued alert.
Data: ECCC GeoMet, Ontario Flood Monitoring, CWFIS · Open Government Licences – Canada and Ontario
Global Risk Map
Global conflict & instability tracker
Loading conflict data…
Live: 25 curated global news feeds · AI analysis
Historical: Wikipedia · AI research
Click an event to view intelligence brief.
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Source: USGS Earthquake Hazards Program. Preliminary records can change.
Preliminary claims-planning screen

Shows what may be exposed and what to investigate. It does not confirm damage, causation, coverage, insured loss, or reserves.

Step 1What happened?
Event and conditions
Event template
Underlying perils
Select a peril to configure. All selected perils remain listed in the impact brief.
How should conditions be established?
Select source evidence
Canada & nearby · M2.5+
Choose an active earthquake or another event type.
Step 2Where did it happen?
Choose an area method
Step 3What are you scoping?
Choose a claims preset
Step 4What does the evidence indicate?
Three evidence levels

Official source geometry is preserved when a user-defined area is added. Inputs are not permanently saved.

Search any Canadian city. Federal crime stats only appear where Statistics Canada CMA data exists.
Search for a city or click a supported CMA marker to load crime stats and local intelligence.
Source: Statistics Canada, Uniform Crime Reporting Survey (Table 35-10-0177-01). Police-reported incidents by Census Metropolitan Area. If your selected municipality is outside the federal dataset coverage, local news still loads but stats will be unavailable.
Open-source research
Research a reported incident
Search potentially related public reporting near a Canadian city and loss date.
Current and future dates are unavailable. Search coverage varies by source and age.
Describe the event type and general circumstances. 0 / 800
Do not include personal or claim-specific information. Omit names, claim numbers, exact addresses, medical details, and other confidential information.
Search scope
Results may include regional news, official releases, and indexed public discussions. A match is not proof that a report concerns the claimed event.
Risk intelligence assistant
Riskademy
Canadian P&C coverage, claims, underwriting, and event verification.
Live workspace
Your Canadian P&C insurance advisor

Tell me what you're dealing with. I'll help you figure it out.

Riska asks the right questions first, then delivers grounded guidance backed by Canadian P&C reference material.

Core focus Canadian P&C
Best for Coverage, claims, underwriting
Linked workflows Weather, Crime, Global Risk, Dictionary
AI can make mistakes. This is not legal advice. ©2026 Dushyanthan Sugumar
Canadian insurance directory

Find the right organization

Search regulators, ombuds services, protection funds, licensing bodies, and industry associations by jurisdiction or purpose.

Industry intelligence

Select a story to open its briefing

Review current Canadian P&C developments and their potential market, claims, underwriting, or regulatory relevance.

ECCC station record Historical weather evidence
Weather History

Build a historical weather report

Choose a claim date, Canadian location, and claimed peril to review official observations and regional corroboration.

1 Select date 2 Enter location 3 Choose peril 4 Review evidence
Red · extremeOrange · highYellow · moderateNot assigned
Blog
100%

Select an article from the list to read it here.

Search the local insurance dictionary to view a definition, example, claims note, and related terms.

Select an event to view global risk assessment.
BETA Select an event to view historical context.
RoutineNotableElevatedSevere
Marker colours show Riskademy event significance, not official alert levels.
Earthquake intelligence

Select an event to understand its potential impact

Review verified event facts, shaking evidence, source revisions, nearby communities, sequence activity, and analytical implications.

Adjuster-focused catastrophe screening Untitled CAT impact screen
Draft
Select an event and confirm its area Imported events load their source geography automatically.
Loading basemap · evidence geometry is validated on the server
Confirmed area
Preliminary claims-planning screen

No impact brief yet

Start with an active alert, historical event, or hypothetical scenario. Riskademy will combine the selected footprint with available regional exposure and peril-specific claims considerations. This is not a prediction of insured loss or confirmed damage.

CAT Impact Screen guide

How to prepare an impact brief

Four visible steps

  1. EventChoose an active source event, historical event, or clearly labelled custom scenario.
  2. AreaUse the official area by default, or preserve it while adding a user-defined adjustment.
  3. AnalysisLoad regional exposure and prepare damage-pattern and claims-operational priorities automatically.
  4. ReviewCheck confidence, gaps, and evidence before exporting the preliminary impact brief.

What the result means

Population and dwelling estimates use 2021 Statistics Canada dissemination areas selected by a representative centroid. Infrastructure uses returned OpenStreetMap feature points or centres. Values describe potentially exposed regional context—not actual damage, claim counts, coverage, reserves, or financial loss.
City intelligence
Search for a city or click a supported CMA marker to view crime stats for the selected peril.
Crime Intelligence
Select a city and peril to load local crime reporting.
Open-source intelligence Potential incident correlation report
Incident Search

Research potentially related reports

Choose a past date, Canadian city, and general incident description. The report will compare public sources and explain why each result may or may not be relevant.

1 Select date 2 Enter city 3 Describe incident 4 Review sources
Riskademy
For Canadian P&C adjusters

A claims workspace built around real file questions.

When a loss needs context, Riskademy gives you a practical place to start—without bouncing between weather sites, public records, reference material, directories, and spreadsheets.

A practical use case

Start with the question the file raises.

Was there weather at this place and time? Is there public reporting that may add context? Which industry contact or term do I need? How do I check a routine calculation? Riskademy groups the tools that help answer those questions, so you can focus on assessing the evidence and moving the claim forward.

Overview

Stay oriented

Use Industry Brief for a concise view of developments affecting the insurance landscape.

Intelligence

Research the loss context

Investigate weather, incidents, earthquakes, crime, global events, and CAT scenarios.

Resources

Find the working reference

Use the Directory and Dictionary when a file calls for a contact, organization, or plain-language definition.

Calculators

Check the routine work

Use focused tools for common claim calculations involving settlement, time, measurement, and value.

Riskademy supports research and routine working tasks; it does not make coverage, valuation, reserve, or claim decisions. The adjuster remains responsible for evaluating the sources, policy, facts, and appropriate next step.