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Water Damage Vancouver BC - Strata or Home Insurance coverage?
Water damage can be one of the most devastating and stressful events for homeowners, especially when people are caught off guard. Insurance policies are sure to exclude different types of water damage, but what types exactly? If your home is rattled by a flash flood, will your home insurance policy provide flood insurance coverage? What about drainage or leakage problems, will these be covered or excluded by your insurance policy?
Both home and Strata insurance work for a variety of water damage claims, but you need to be aware of exactly what types. Water damage insurance can cover most, if not all of your water problems in a specific infrastructure, so continue reading below to discover how both home and Strata insurance work to cover water damage and water restoration.
There can be a lot of confusion when it comes to home insurance policies and water damage. To clear these up, you need to know what your home insurance covers. If your house is damaged by a flood and you live in a flood plain, your home insurance might not provide flood restoration coverage, but if you've got roof leakage problems due to wind damage, it likely will cover you, but be sure to check these details with your insurer!
Remember is this rule of thumb: if damage is caused by your negligence and failure to maintain your house, your home insurance policy will not provide you with water restoration coverage.
If you live in a Strata building, the Strata insurance will come into play when the water damage involves the building structure in any way. For simplicity sake, remember that any upgrades you have done to the flooring, fixtures and walls inside your unit, in addition to your personal contents are covered by your home insurance. Anything that is part of the structure is covered by Strata insurance.
When you speak to your insurance agent regarding your home insurance, it is a good idea to take a copy of your strata insurance with you so they can help you determine whether there are any gaps in coverage that you should add to your home policy. The most common gap in coverage is with the Strata policy deductible, which usually is at least $5000 or more per claim. So make sure you have coverage on your home policy to cover the cost of the Strata deductible, otherwise you will be stuck paying your home deducting as well as the strata deductible… a costly proposition.
About the Author
Copyright ©2010 Masters Remediation Services. We provide emergency water damage restoration services to homes and businesses throughout Greater Vancouver. We take pride in providing top quality workmanship and exceeding expectations. Watch short videos tips to help in case of flood:
http://mastersremediation.com/video-blog/video_flood.html
Read more FAQs or get a FREE CHECKLIST to prevent further damage and lengthy repairs… and get a $200 Gift for New Customers:
http://mastersremediation.com/flood
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Water (cover) $6 Water (cover) - Downstairs Productions |
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Krups Water Tank Cover $9.99 Water Tank Cover |
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Cuisinart Water Tank Cover $14 Water Tank Cover for WCH-850 |
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Water Pump Cover $76.99 Water Pump Cover |
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Water Manhole Cover $29.99 Water Manhole Cover - Photographic Print |
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Water $35 This volume of essays explores the significance of water and the current ecological crisis and examines this from both scientific and theological insights. It also examines the relevance of key biblical passages relating to water as a positive and a negative force. Contributors to this volume come from Australia, South Africa and the USA and a variety of disciplines. The cover design is an indigenous Australian artists depiction of the biblical theme of the Transfiguration in terms of local water traditions of life and death cycles of the lotus flower. (ATF Press 2011) |
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Boppy Slip Cover Water Resistant Protective Cover $12.99 Boppy Slip Cover Water Resistant Protective Cover |
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Troxel Water Resistant Cover $18.95 Troxel Water Resistant Cover - Ride in comfort on rainy days with a water resistant cover by Troxel. Cover the vents of your schooling helmet or protect your show helmet in inclement weather. Universal fit. |
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Water Pump Cover with Impeller $170.99 CNC-machined billet aluminum water pump cover from Pro Circuit features a separate oil pump cover for easy access Designed with an impeller to increase water flow and reduce hydraulic friction and cavitation No-fuss installation Includes all gaskets Actual product may vary from web image Made in the U.S.A. |
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Water Pump Cover Bolts $2.47 Water Cover Bolts size M6x40 for 250cc 4-stroke water-cooled CN250 172mm engines. Shop our wide assortment of scooter parts , gas scooters , electric scooters , and motorized scooters for sale. |
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Water Wizard Inground Cover Water Pump $144.99 Water Wizard Inground Cover PumpThe Water Wizard is a powerful 1/6HP Cover Pump that weighs only 7 lbs, yet is strong enough to drain your winter cover and your pool or spa... plus boats, basements or any other area with unwanted standing water. It features a special stabilizing base plate for smooth, trouble-free operation. The Water Wizard is available with or without automaticon/off feature.Removes water down to 1/8" on any surfaceCompletely submersibleComes with garden hose adapter &25 of cord110-120V, AC:UL ListedIncludes a 1-Year Warranty |
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Cuisinart Water Tank Cover for WCH-950 System $14 Water Tank Cover for WCH-950 Water Countertop Filtration System. |
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Thundering Water Sofa Cover $79.95 Give any room a makeover with our gorgeous furniture covers! Chris Cummings' dynamic artwork shows a galloping herd crossing shallow water, in earthtone shades with Southwestern borders. Sofa and Chair Covers will extend the life of your upholstery and protect it from pets. Machine washable. Acrylic/poly blend. Matching Pillow has 100% cotton twill back; cotton/poly with polyfill. All are made in USA. Large Sofa Cover: 170" x 70", Small Sofa Cover: 140" x 70", Chair Cover: 90" x 70", Pillow (17" square). |
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Thundering Water Chair Cover $49.95 Give any room a makeover with our gorgeous furniture covers! Chris Cummings' dynamic artwork shows a galloping herd crossing shallow water, in earthtone shades with Southwestern borders. Sofa and Chair Covers will extend the life of your upholstery and protect it from pets. Machine washable. Acrylic/poly blend. Matching Pillow has 100% cotton twill back; cotton/poly with polyfill. All are made in USA. Large Sofa Cover: 170" x 70", Small Sofa Cover: 140" x 70", Chair Cover: 90" x 70", Pillow (17" square). |
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Water Pump Cover Gasket $3.46 Water Pump Gasket for 250cc 4-stroke water-cooled CN250 172mm engines. Shop the largest selection of scooter parts , gas scooters , electric scooters , and motorized scooters for sale. |
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Fragrant Water Lilies Cover a Virginia Swamp $39.99 Fragrant Water Lilies Cover a Virginia Swamp - Photographic Print |
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Little Giant Cover Water Pump $199.99 The new Little Giant Pool Cover Pump is powerful & compact, and effectively drains your pool cover, pool or spa... plus boats, basements or any other area with unwanted standing water. The LittleGiant Pool Cover Pump removes water down to 1/8" & is completely submersible. It features 1,700 GPH (gallons per hour) capacity, plus a new design for maximum stability. Includes a garden hose adapter, 25 of cord and 1-Year Warranty. AC:UL listed. Removes water to 1/8"Completely submersible1,700 GPH capacity! Includes hose adapter & 25 of cord1-Year WarrantyAC:UL Listed |
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Miracle Mini Cover Water Pump $9.99 Miracle Mini-PumpThis amazing little Cover Pump drains water at a rate of over 200 gallons per hour, without the need for electricity or batteries! The Miracle Mini-Pump uses the power of water pressure from a standard garden hose to effectively remove standing water. Simply connect the Pump between two garden hoses. Water pressure from the first hose creates a powerful suction that pulls water into the pump and out through a second hose, which quickly carries away the discharge water.Its ideal for your pool, pool cover, spa, hot tub, boat, flooded basement or any area with standing water - especially those where electricity is dangerous or inaccessible. And with no moving parts, theres nothing to wear out or break down!Safe & Easy to UseNo moving parts - nothing to break!Simply turn on outdoor tap to initiate pumping action, and go!Completely submersible |
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Water Wizard Inground Cover Water Pump with Automatic On / Off $189.99 Water Wizard Inground Cover Pump - Automatic On/OffThe Water Wizard is a powerful 1/6HP Cover Pump that weighs only 7 lbs, yet is strong enough to drain your winter cover and your pool or spa... plus boats, basements or any other area with unwanted standing water. It features a special stabilizing base plate for smooth, trouble-free operation. The Water Wizard is available with or without automaticon/off feature.Removes water down to 1/8" on any surfaceCompletely submersibleComes with garden hose adapter &25 of cord110-120V, AC:UL ListedIncludes a 1-Year Warranty |
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Network of Avenues and Streets of Water That Cover the Countryside $79.99 William Vandivert Network of Avenues and Streets of Water That Cover the Countryside - Premium Photographic Print |
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Granite Boulders Cover the Shore Near a Body of Water $29.99 Jeff Foott Granite Boulders Cover the Shore Near a Body of Water - Photographic Print |
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Sand And Water Play Table With Cover $95.99 At 20 inch high this sand and water is perfectly sized for pre-schoolers. Sand and water play promotes tactile discovery fine motor skills and interactive play. |
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Ergo Baby ERG-WCR414, Water-Resistant Weather Cover $50 The Water-resistant Weather Cover provides ideal protection from wind and rain. The nylon, rip stop shell can be attached to the carrier prior to wearing it. If you choose to wear the Water-resistant Weather Cover when baby is already in the ERGObaby Carr |
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Steeplechase Water Jump Cover $5687.5 4" x 2" aluminum beams provide the under structure for the modular panels. Each panel is made from 9.5" x 1.75" x 0.125" aluminum planking framed with heavy duty aluminum angle. Each panel has 4 flush mount handles and is recessed to receive 12mm surfacing.Please Note: This item CANNOT ship to P.O. Boxes, APO, or FPO Addresses. It CAN ONLY ship to a Street Address. |
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Water Wiggler with Natural Pottery Cover $67.01 Color: Brown/blackBird bath water agitatorIntended use: Eliminate stagnant water in bird bathsDimensions: 7 inches long x 4 inches wide x 8 inches highMaterials: Plastic/metalWater Wiggler works great to attract birds and helps prevent the spreading of West Nile virus by eliminating stagnant water in bird bathsWater Wiggler's unique agitator action creates continuous ripples in water, preventing mosquitoes from laying eggs in bird bathsOperates silently on two D-cell batteries for up to two months of continual useModel No: 5WWN |
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Water Supply $129 This new edition of a classic text has been significantly expanded to cover the most current issues and international standards are examined in-depth, with detailed coverage of WHO, European, UK and US standards, organisations and practice. Written with the postgraduate and professional water engineer in mind, this text will also be essential reading for undergraduates studying water engineering. COMPREHENSIVE coverage of all aspects of public water supply and treatment for a worldwide market * INCLUDES more coverage of US, European and WHO standards and practice * COVERS important current topics such as EIA and cryptosporidium outbreaks |
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500 GPH Aboveground Cover Water Pump $89.99 500 Gallon/Hour Aboveground Cover PumpThis value-priced electric Cover Pump quickly removes water from your Winter Cover, Pool or Spa, at the rate of 500 gallons per hour. Larger sizes / speeds available, click here.Completely submersibleRemoves water down to 1/8"Includes a garden hose adapter and 18 cord110- 120V UL listedIncludes a 1-Year Warranty |
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250 GPH Aboveground Cover Water Pump $44.99 250 Gallon/Hour Aboveground Cover PumpThis value-priced electric Cover Pump quickly removes water from your Winter Cover, Pool or Spa, at the rate of 250 gallons per hour. Larger sizes / speeds available, click here.Completely submersibleRemoves water down to 1/8"Includes a garden hose adapter and 18 cord110- 120V UL listedIncludes a 1-Year Warranty |
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350 GPH Aboveground Cover Water Pump $69.99 350 Gallon/Hour Aboveground Cover PumpThis value-priced electric Cover Pump quickly removes water from your Winter Cover, Pool or Spa, at the rate of 350 gallons per hour. Larger sizes / speeds available, click here.Completely submersibleRemoves water down to 1/8"Includes a garden hose adapter and 18 cord110- 120V UL listedIncludes a 1-Year Warranty |
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Rusco 1.5CHT Hot Water SpinDown Filter Cover $171.79 The Rusco 1.5CHT clear filter cover is a replacement filter cover for Rusco Hot Water SpinDown Sediment Filter Systems with 1.5 inlet/outlets. This filter cover is only for the High Temperature Rusco systems. The Rusco 1.5CHT clear cover is easily removed for complete cleaning or for replacement. No tools are required. Rusco Sediment Filter covers are made of a high impact polymer resin for maximum strength and durability. The Rusco 1.5CHT cover has a 1/2 MPT nipple on the bottom of the clear cover that allows for connection of a plastic ball valve for easy cleaning and flushing of the system. |
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Rusco 125CHT Hot Water SpinDown Filter Cover $125.39 The Rusco 1.25CHT clear filter cover is a replacement filter cover for Rusco Hot Water SpinDown Sediment Filter Systems with 1.25 inlet/outlets. This filter cover is only for the High Temperature Rusco systems. The Rusco 1.25CHT clear cover is easily removed for complete cleaning or for replacement. No tools are required. Rusco Sediment Filter covers are made of a high impact polymer resin for maximum strength and durability. The Rusco 1.25CHT cover has a 1/2 MPT nipple on the bottom of the clear cover that allows for connection of a plastic ball valve for easy cleaning and flushing of the system. |
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