ECONOMICAL
SIMPLE
Your home insurance coverage in the event of a power outage
If you have several hundred dollars worth of frozen food in your fridge, you should know that this is one of the items usually covered by your standard home insurance in the event of a power outage caused by windstorms. However, insurers impose certain limits, usually between $1000 and $1500, depending on the insurance contract.
It’s important to consider the deductible, as a claim could prompt your insurer to increase premiums when you renew your policy.
Hunters can also claim for lost game meat, but the value is determined by each insurer and the costs of transporting, lodging and processing the meat at the butcher 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, it is generally covered by your extended home insurance, except for landscaping in general. The cost of removing the tree and branches can be claimed, as long as 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 comprehensive comprehensive coverage, or specific perils automobile coverage . The costs related to the removal of the tree or its branches can 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 everything to your broker or insurer. Wait until you get confirmation before throwing everything away, if the smells allow it. Photos make it easier to make a claim, and the insurer won’t require your grocery bills.
Before making a claim, ask your trusted insurance broker or insurer if such a claim will result in an increase in premiums when the contract is renewed. Take notes, including the name of the agent you spoke with, the date and time.
Note that you cannot claim compensation directly from Hydro-Québec, including for electronic devices, unless you can prove that the Crown corporation committed gross negligence and intentional misconduct, which excludes windstorms.
The text is for information purposes only your contract may be deferred depending on the insurer and the coverages chosen, speak to your broker for advice.
Peut-on obtenir une assurance habitation avec un dossier criminel ?
Answer: Yes, it is possible to get home insurance even with a criminal record, but it can be more difficult. Some insurers may view a criminal record as an increased risk factor and may either deny coverage or offer higher premiums.
Un dossier criminel affecte-t-il toujours les primes d’assurance habitation ?
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 crimes.
Les assureurs sont-ils obligés d’être informés de mon dossier criminel ?
Answer: Yes, it is important to disclose any relevant information, including a criminal record, when applying for home insurance. Failure to do so may result in the cancellation of the policy or the denial of a claim.
