{"id":9819,"date":"2020-02-26T09:37:06","date_gmt":"2020-02-26T14:37:06","guid":{"rendered":"https:\/\/test-vez.catalyseweb.com\/?p=9819"},"modified":"2019-06-26T13:29:23","modified_gmt":"2019-06-26T17:29:23","slug":"home-insurance-covered-or-not","status":"publish","type":"post","link":"https:\/\/www.groupevezina.com\/en\/home-insurance-covered-or-not\/","title":{"rendered":"Home insurance: covered or not?"},"content":{"rendered":"<div id=\"intro\">\n<p>In which cases does your home insurance policy offers protection? Find out what is covered and what is not.<\/p>\n<\/div>\n<div id=\"main-content\">\n<h2>Water damage<\/h2>\n<p>Your insurance protects you against water damage, but not in all cases. It all depends on the coverage you chose when you purchased your policy (endorsements added) and the cause of the disaster:\u00a0<\/p>\n<ul>\n<li>\n<p>Damage caused by a sanitary installation:<br \/>\n<big><strong>Covered<\/strong><\/big><\/p>\n<\/li>\n<li>\n<p>Damage caused by a city water main break:<br \/>\n<big><strong>Covered<\/strong><\/big><\/p>\n<\/li>\n<li>\n<p>Damage caused by water seepage:<br \/>\n<big><strong>Covered <\/strong><\/big>if you purchased coverage<\/p>\n<\/li>\n<li>\n<p>Damage caused by sewer back-up:<br \/>\n<strong><big>Covered <\/big><\/strong>if you purchased coverage<\/p>\n<\/li>\n<li>\n<p>Damage caused by flooding when a body of water overflows:<br \/>\n<big><strong>Covered <\/strong><\/big>if you purchased coverage\u00a0<\/p>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\">Financial assistance is also available in certain cases under the <a href=\"http:\/\/www.securitepublique.gouv.qc.ca\/en\/civil-protection\/financial-disaster-victims.html\" target=\"_blank\" rel=\"noopener noreferrer\">financial assistance program for disaster victims<\/a> of the minist\u00e8re de la S\u00e9curit\u00e9 publique du Qu\u00e9bec<\/p>\n<h2>Theft and vandalism<\/h2>\n<ul>\n<li><big><strong>Covered<\/strong><\/big><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>Fire<\/h2>\n<ul>\n<li><big><strong>Covered<\/strong><\/big><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>Snow or freezing\u00a0rain<\/h2>\n<p><strong>Examples of coverage<\/strong><\/p>\n<ul>\n<li>\n<p>A tree branch weighed down by snow or ice falls on the porch of your home and damages the railing.<br \/>\n<strong><big>Covered<\/big><\/strong><\/p>\n<\/li>\n<li>\n<p>The table on your deck collapses under the weight of the snow.<br \/>\n<big><strong>Covered <\/strong><\/big><em>if you have Comprehensive coverage<\/em><\/p>\n<\/li>\n<li>\n<p>Snow or ice accumulation causes part of your roof to collapse.<br \/>\n<big><strong>Covered <\/strong><\/big><em>if you have Comprehensive coverage<\/em><\/p>\n<\/li>\n<li>\n<p>The snow and ice accumulated on your roof starts to melt and the water seeps onto your ceiling.<br \/>\n<big><strong>Covered<\/strong><\/big> <em>if you added Water Damage \u2013 Above Ground Water Coverage<\/em><\/p>\n<\/li>\n<li>\n<p>Your cedar hedge collapses under the weight of the snow after the last snow storm.<br \/>\n<big><strong>Not covered<\/strong><\/big><\/p>\n<\/li>\n<li>\n<p>The last power outage lasted so long that you lost all the food in your freezer.<br \/>\n<big><strong>Covered<\/strong><\/big>, <em>but with a limit (See with your broker the limitation to your contract)<\/em><\/p>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>Tornadoes, strong winds and hail<\/h2>\n<p><strong>Examples of coverage<\/strong><\/p>\n<ul>\n<li>\n<p>Your gazebo was damaged during the last hail storm.<br \/>\n<big><strong>Covered <\/strong><\/big><\/p>\n<\/li>\n<li>\n<p>Your roof was damaged during the last wind storm.<br \/>\n<strong><big>Covered<\/big><\/strong><\/p>\n<\/li>\n<li>\n<p>Your tomato plants were seriously damaged by hail.<br \/>\n<strong><big>Not\u00a0covered<\/big><\/strong><\/p>\n<\/li>\n<li>\n<p>A tree on your property was uprooted by strong wind gusts.<br \/>\n<big><strong>Not\u00a0covered<\/strong><\/big><\/p>\n<\/li>\n<\/ul>\n<h6 style=\"text-align: left;\">Source: Info Assurance<\/h6>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>In which cases does your home insurance policy offers protection? Find out what is covered and what is not. Water damage Your insurance protects you against water damage, but not in all cases. It all depends on the coverage you chose when you purchased your policy (endorsements added) and the cause of the disaster:\u00a0 Damage [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":16565,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[19],"tags":[50,108,56,329,46,254,75],"class_list":["post-9819","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-insurance","tag-coverage","tag-damage","tag-home","tag-home-insurance-en","tag-insurance","tag-protection-en-2","tag-water-damage"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts\/9819","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/comments?post=9819"}],"version-history":[{"count":0,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts\/9819\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/media\/16565"}],"wp:attachment":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/media?parent=9819"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/categories?post=9819"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/tags?post=9819"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}