Home renovation insurance claims in Ottawa typically fall into two categories: claims for damage discovered during renovation (mould, structural issues, water damage) and claims for renovation-related damage (contractor errors, construction accidents, property damage during the project). Your homeowner's insurance generally covers sudden and accidental damage discovered during renovations — a burst pipe behind a wall, fire damage from faulty wiring, or structural damage from a fallen tree. Howe...
Step 1: Document the damage immediately. Take photos and videos before any cleanup or repair. If there's ongoing damage (water leak, fire), take emergency measures to prevent further damage (this is called 'mitigating further loss' and is required by your policy), but don't make permanent repairs. Step 2: Contact your insurance company within 24 hours if possible. Most policies require 'timely notice' of claims. Provide a brief description of the damage and how it was discovered. Step 3: The i...
Water damage discovered behind walls: during kitchen or bathroom demolition, you find evidence of a long-term leak causing rot and mould. Coverage depends on when the damage occurred and whether it was 'sudden' or 'gradual.' If a pipe burst recently, it's typically covered. If the leak has been ongoing for years, it may not be. Fire damage from faulty wiring: exposed during renovation, old wiring short-circuits and causes fire. This is typically covered as sudden and accidental. Document everyt...
Before hiring any contractor in Ottawa, verify three types of insurance: Commercial General Liability (CGL) insurance — minimum $2 million. This covers damage the contractor causes to your property and injuries to third parties. Without this, you could be liable for damages. WSIB (Workplace Safety and Insurance Board) coverage — this covers the contractor's workers if they're injured on your property. Without valid WSIB coverage, you as the homeowner could be liable for workplace injuries occur...
Before renovation: review your homeowner's policy, notify your insurer of the planned renovation, increase coverage limits if the renovation significantly increases your home's value, and consider a renovation-specific endorsement if you'll be temporarily displaced. During renovation: maintain a photo and video record of work progress, keep all contracts, change orders, and receipts organized, verify sub-trade insurance (plumber, electrician, etc.) in addition to the general contractor's insura...
It depends. Sudden and accidental damage (burst pipe, fire) is typically covered. Gradual damage (long-term leaks, deferred maintenance) usually isn't. Contact your insurer before starting renovations to understand your specific coverage.
Yes, most policies require notification of significant renovations. Failure to disclose could void your coverage. Your premium may increase temporarily during renovation and then adjust to reflect the improved home.
Minimum $2 million commercial general liability, valid WSIB coverage, and professional liability if applicable. Always verify insurance certificates independently before work begins.
Damage caused by a contractor should be covered by their liability insurance. Document the damage, notify the contractor immediately, and file a claim with their insurance company. This is why verifying contractor insurance before work begins is critical.
If the contractor has valid WSIB, their injured workers are covered. Your homeowner's liability coverage protects you against other injuries on your property. Verify both coverages before renovation begins.