Changes and Provisions Cost Implications For more detailed information refer to ‘Navigating the 2024 Ontario Building Code Changes’ This document is for general information [...]
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Navigating the 2024 Ontario Building Code Changes
With the new year just around the corner, we are expecting major revisions to the Ontario Building Code coming into effect on January 1, [...]
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The Importance of Insuring Your Home to Its Full Replacement Value
Working families who experience the dream of homeownership are required to purchase insurance coverage by their lender. First-time buyers sometimes assume homeowners insurance policies [...]
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Why You Should Have a Home Inventory for Insurance Purposes
Although lenders typically require borrowers to purchase homeowners insurance, few want to think about the impact of a catastrophic fire or extreme weather event. [...]
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Common Reasons Your Home Insurance Claim Could Be Denied
Home insurance is an essential expense for any homeowner. It protects you in case of damage to your home and property, including total loss. [...]
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What Happens if Your Property is Underinsured?
Although the majority of Canadians carry homeowners insurance, many are stunned to discover they do not have adequate coverage. That’s largely because lending institutions [...]
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What You Need to Know About Property Depreciation
Many factors affect the value of your property, and depreciation is a major aspect of property assessment, particularly when it comes to calculating Actual [...]
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5 Things Every Homeowner Should Know About Their Insurance
Your home is a large investment and can hold a lot of emotional and financial value. When a loss or damage occurs, you want [...]
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What is Other Structures Coverage?
We typically think of home insurance as coverage that protects our housing in case of a loss, but you may not realize that most [...]
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Determining a Structure’s Physical Condition for Depreciation & Replacement Cost Estimates
Understanding and determining a structure’s physical condition is crucial. Physical condition is also part of estimating the Physically Depreciated Value / Actual Cash Value [...]
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