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What is a code or by-law upgrade?

A code or by-law upgrade is an upgrade that is made when your home’s pre-loss condition no longer meets legal building codes. Your insurance company may recognize code upgrades in the estimation process. Any questions regarding code upgrades should be directed to your Insurance Adjuster.

What does pre-loss condition mean?

There may be some damage to your home and property that existed prior to your loss. Therefore, these damages will not be included in the scope of repairs. We are responsible for returning your home to how it was before the damage occurred, in other words, to its pre-loss condition, using materials of like-kind and quality. At your request, we will provide you with an estimate for any additional construction projects you may wish undertaken by our team. This additional work is termed, “non-insured work.”

Reduce the Risk of Basement Flooding

If you have ever experienced flooding in your basement, then you know the heartache and stress it can bring. With all the active weather that can happen in Canada, basement flooding is a growing problem for homeowners, municipalities and insurers

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