FAQs
More FAQs- What items do I keep in my possession?
- What causes mould in my home?
- What is a code or by-law upgrade?
The following items should be kept in your possession: Medications, Cash, Pets, Valuable Jewelry, Stamp/Coin Collections, Checkbooks, Personal Documents, Valuable Artworks, Flammables, Gasoline Cans, Weapons/Ammunition.
Excess moisture caused by leaks or flooding in your home — especially in typically damp environments like your kitchen, laundry room and bathrooms — creates the perfect breeding ground for mould or mildew. To control and reduce the risk for mould growth in these areas, you must properly maintain your plumbing system and monitor appliances that use large quantities of water, such as dish washers and washing machines. Small amounts of indoor mould are unavoidable and usually harmless. In damp environments, however, mould spores can more easily reproduce and cause more serious and difficult to remove mould problems.
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.