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CSIA has been protecting our clients condominiums for over 45 years.

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Types of

Information that helps you plan, prepare and protect.

Coverage for your Home’s Structure ( Coverage A – Dwelling)

Dwelling coverage covers damages to the structure of your home from things like fire, windstorms, hail, lightning, theft and vandalism. Claims Scenairo – If you home’s structure is damaged by a fire, the repair costs would be covered by the dwelling portion of your home insurance.

Coverage for Detached Structures ( Coverage B – Other Structures)

Other structures coverage covers damage to other, detached buildings on your property such as detached garages, gazebos, sheds, swimming pools and fences. This coverage provides coverage for the structure itself NOT the things you store inside. Your personal belongins are covered under Personal Property on the policy. Claim Scenario – If a windstorm knocks a tree onto your shed and it needs to be repaired, other structures coverage helps cover the cost.

Coverage for Personal Property – (Coverage C – Personal Property)

From your personal belongins in your home to the tools in your shed, personal property coverage protects items inside and outside of your home up to your personal property limit on the policy. If they are damaged or destroyed by a named peril on the policy. Claim Scenario – A fire that damages your home’s structure also causes smoke damage to your clothes and furniture in the house. Your personal property coverage would help to cover the cost to clean, repair or replace the items damaged or destroyed.

Temporary Living Expenses – ( Coverage D – Loss Of Use)

If your home becomes uninhabitable as a result of a covered loss, this coverage helps pay for additional living expenses that are needed like a hotel or food. Claim Scenario – After a fire, you are not allowed to stay in your home until is has been repaired and the smell of smoke is gone. This coverage would provide you with additional money for a temporary place to live.

Liability Protection – (Coverage E – Personal Liabiltiy) – (Coverage E – Personal Liability)

If someone is accidentially injured on your property, the personal liabilty coverage can protect you from a liability claim and lawsuit brought by others against you. This coverage is subject your policy limits. Claim Scenario – Unfotunaley, your friend was over when the fire started and they were severly injured and required medical treatment at the hospital. The liabilty coverage on your homeowner’s policy will hellp pay for their medical bills.

What happens if...

Simple. Smart. Insurance protecting what matters

Claims that involve multiple parties are always a bit more difficult to manage. If you come home to water damage caused by a flood in your neighbor’s condo, you are not only going to be dealing with the liability component of your neighbours insurance, but the contents coverage of your insurance policy. Figuring out which company pays for what can sometimes take a while to sort out.

If a visitor trips and falls on a staircase inside of your unit, personal condo insurance can help cover his or her medical bills and your liability costs if you are used.

The HOA’s Insurance won’t cover your belongings, such as furniture, computers and clothing. You will need to file a claim through the personal property coverage on your condo insurance if possessions are damaged or stolen.

Condo Insurance claims can be mor difficult to deal with because you are usually working with two insurance policies, and two insurance companies. If your unit experiences a roof leak, for example, the repair costs to your roof would be covered by your condo building’s commercial policy. However, any damages to the contents in your Condo would have to claimed through your personal insurance policy.

A burst pipe in your condo can wreak havoc on your unit. Again, the difficulty comes with knowing which insurance to go through. Structural damage should be covered by your building’s policy, while any damages inside your condo unit will be covered by your policy. If the pipe ends up causing damage to other units as well, things can get even more tricky.

 When you call to report the claim, it’s helpful if you can tell your claims representative:  When the incident occurred  What happened  The Location of the property damage and what was damaged  If you Condo is still liveable  What repairs, if any, are needed  If you contacted the policy or fire department (and the police report number)  Your contact information and the best time to reach you.

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