Your insurance contract
Are you familiar with the intricacies of your insurance policy's coverage, clauses and exclusions before filing your claim?
Let's demystify the clauses of your insurance contract before filing your claim
Like most people, you may never have read your insurance policy in its entirety. You may understand the broad strokes of your policy, but in insurance, it is often necessary to read between the lines. We will work with you to review your policy and its coverage and advise you on the best strategy for filing your insurance claim in order to obtain the maximum compensation.
Our objective at the first meeting is to inform you about the world of insurance, the strategies to adopt and the mistakes to avoid, without any obligation on your part.
Expect a meeting.
The insurer has an obligation to indemnify its insured, but in return, the insured has an obligation to prove its loss by filing a claim. The insurer is in a poor position to help you maximize your reimbursement amounts since it is the insurer who will have to assume the costs.
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Additional living expenses
Living expenses are all types of expenses that you would not have had to pay if you had not suffered a disaster. You can include, among other things, your lodging and relocation expenses, additional travel expenses, restaurant expenses for the first few days, the purchase of basic necessities (clothing, hygiene products, etc.) and the cost of reactivating services.
BUILDING CLAIM AND OUTBUILDINGS
A building is any structure intended to be used to house people, animals or things. Outbuildings are the smallest buildings on your insurance policy, for example, a detached garage or a shed. Your insurer's obligation is to return you to a building that is in the same condition as before the loss.
DO NOT MAKE HASTY DECISIONS! ACTING QUICKLY DOES NOT GUARANTEE YOU AN OPTIMAL SETTLEMENT! CAREFULLY STUDY THE CLAUSES OF YOUR INSURANCE CONTRACT.
You want your loss to be resolved quickly. We understand, but proceeding quickly with the demolition and reconstruction of your property is not recommended. The most logical approach is to take the necessary steps to obtain a settlement agreement with your insurer before demolishing and rebuilding so that all evidence of your loss is preserved until a settlement is obtained in your favour. The first step is to establish the value of your loss, i.e. the extent of the damage, the quality of the replacement materials and the hours required to restore the building by a specialized worker. These precautions help avoid surprises such as incurring costs that exceed the amounts received, which would put you in a financial deficit.
Don't want to rebuild your home? This is indeed an alternative solution. To do so, it is necessary to determine the depreciation rates in effect to establish the value of your building on the day of the loss. These rates are calculated according to the wear and tear of the materials in your home and their normal life span.
Some insurers include guarantees in their contracts that allow you to obtain an indemnity without having to rebuild your home. It is important to evaluate your options in order to make an informed decision that you will not regret.
PERSONAL PROPERTY CLAIM
Personal property is the movable items that occupy your home. This includes all furniture, clothing, food, electronics and more. Your insurer's job is to replace or clean up any property that was damaged or lost during your loss. You have the obligation to prove your loss by producing a complete list of your belongings or by verifying the lists provided by everyone involved in your case. This is a long and arduous process, let our team help you.
In the event of a partial breakdown of a set of personal property, your insurer is entitled to reimburse you for the replacement of only part of your set. For example, if only two chairs in your kitchen set are damaged beyond repair, the insurer may decide to pay for only those two chairs, even if your kitchen set is no longer for sale on the market. Also, the insurer always retains the right to pay the lesser of repair or replacement for both buildings and contents.
Example of a personal property claim
IMPORTANT:
Your insurer may not take your spending habits into account when making a claim. For example, they may look for discounted prices in stores you don't frequent or on the Internet. Our team, on the other hand, will request reimbursement for your goods according to their brand and price range in order to obtain their exact value in compensation.
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Monday to Friday
8:00 am to 4:30 pm
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