ECONOMICS
SIMPLE
Home insurance coverage in the event of a power failure
If you have several hundred dollars' worth of frozen food in your fridge, you should know that it is generally covered by your insurance. standard home insurance in the event of a power cut caused by windstorms. However, insurers impose certain limits, generally between 1000 $ and 1500 $, depending on the insurance contract.
It's important to take the deductible into account, because a claim could prompt your insurer to increase premiums when you renew your contract.
Hunters can also claim for lost game meat, but the value is determined by each insurer and the costs of transport, accommodation and processing at the butcher's must be taken into account.
Property insured against wind
If a tree has fallen on your property and damaged the roof, destroyed the shed or part of the landscaping, this is usually covered by your comprehensive home insuranceThis does not include general landscaping. Tree and branch removal costs may be claimed, provided there is damage to insured property.
If your vehicle has been damaged by a tree or its branches, you will be able to make a claim if you have standard comprehensive coverage, or a automobile coverage specific risks. The cost of removing the tree or its branches may also be claimed if the vehicle is damaged.
Advice
Before emptying your fridge, take photos of the inside of the freezer, make a summary inventory of its contents and send it to your broker or insurer. Wait for confirmation before throwing everything out, odors permitting. Photos make it easier to file a claim, and the insurer won't demand your grocery bills.
Before claiming, ask your trusted insurance broker or your insurer if such a claim will not result in a premium increase at renewal. Take notes, including the name of the agent you spoke with, the date and time.
Please note that you cannot claim compensation directly fromHydro-QuébecThis includes electronic equipment, unless it can be proven that the Crown corporation committed a gross and intentional fault, which excludes windstorms.
The text is for information only, your contract may differ depending on the insurer and coverage chosen. Talk to your broker for advice.
Can you get home insurance with a criminal record?
Answer: Yes, it is possible to obtain home insurance even with a criminal record, but it can be more difficult. Some insurers may consider a criminal record to be an increased risk factor, and may either refuse coverage or offer higher premiums.
Does a criminal record always affect home insurance premiums?
Answer: Not always. It depends on the nature of the crime, its seriousness and the age of the case. Minor or old crimes often have less impact than serious or recent ones.
Do insurers have to know about my criminal record?
Answer: Yes, it is important to disclose all relevant information, including a criminal record, when applying for home insurance. Failure to do so may result in cancellation of the policy or denial of a claim.
