Registered Insurance Brokers of Ontario (RIBO) Exam 2025 – 400 Free Practice Questions to Pass the Exam

Accidental fire damage does not need to be reported to the police under the RIBO homeowner's form because it is typically classified as an accidental event that does not involve criminal activity. The policy framework focuses on losses caused by theft, vandalism, or disturbances such as riots, which are connected to malfeasance and thus warrant police involvement for investigation purposes.

In contrast, theft of personal property, riot disturbances, and loss of property during a storm could all have potential law enforcement implications. Theft involves a criminal act that necessitates a police report to facilitate investigations and potential recovery of stolen items. Riot disturbances could also involve public safety concerns requiring police intervention. Similarly, loss of property during a storm can sometimes lead to claims following an incident where liability or negligence might need examining. Therefore, while all these scenarios warrant documentation and communication with your insurer, accidental fire damage stands out as an event that is treated differently under the policy terms.