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Do I have to pay for anything if the other person’s insurance company admitted it was the other person’s fault?
It depends on the situation. Your Claims Adjuster can help answer this question.
What is a by-law coverage?
Building code and zoning law changes don't usually apply to existing buildings. However, if you suffer loss or damage to your dwelling, you may have to rebuild to current standards.
This coverage provides protection for new by-laws that would increase the cost of rebuilding or repairing your dwelling following an insured loss.
Although this coverage comes standard with some property policies, increased limits are available (in some provinces). Please connect with us to ensure that you have adequate coverage to protect you and your family.
If my home is damaged and I cannot live there, what happens?
If you have to move or live somewhere else temporarily because of insured damage to your home, Scotia Home & Auto Insurance helps with your expenses. This might include:
moving expenses
higher living expenses, if necessary
This coverage helps you to maintain your normal standard of living for a reasonable time while your home is repaired or rebuilt, or while you get settled in a new home. You can get specific information about the timeframe you're covered for (based on your policy and circumstances) if you contact us at 1.833.223.8740.
If my property has been damaged by water, how long will I have to wait before we start repairs or rebuilding?
Your Claims Adjuster will arrange a property inspection. The inspection will suggest the best timing for repairs.
How do I make a claim because of a storm?
Just call 1.833.223.8743. Our claims service is available 24/7 every day of the year.
Does my home insurance provide enough coverage on all my home's contents?
Generally a home policy will provide coverage that covers most peoples' contents, but there are certain exclusions.
High-value items may need special attention. However, if you have special high-value items (like jewellery, furs, artwork, coin collections, bicycles), you may want to purchase additional optional coverage for those items. You should consider doing an inventory of what you own. It will help establish if you have adequate limits and would be a useful record at the time of a loss. It will also help identify if you should purchase additional limits or optional covers.
Your Specialist can help you make sure you are covered.
I'm renovating. How does this affect my insurance?
You should talk to your Specialist to make sure you're covered. A part of your house being renovated can still suffer loss or damage, so it's a good idea to be prepared.
Do you have preferred suppliers or repair facilities?
Yes, we do. You can ask your Specialist or Claims Adjuster for a referral from the list.
Home Insurance