Every time an object hits your home, the damage caused is covered by home insurance. This covers the risks incurred, in particular due to wind or ice.
In the case of the car, it is a little different. Owners must have coverage for non-collision accidents.
In this case, it can often be a municipal tree. But in any case, civil liability is a court that will determine it. If you are found responsible, it is the civil liability part of your home insurance that will cover it.
Yes, the insurance policy will normally cover the contents of a refrigerator or freezer, up to a certain amount subject to a deductible. When you notice the loss of food, you must document it by taking a photo. Your insurer will not ask you how many potatoes you had. He will judge the claim based on the information you provide him.
Damage caused by water coming from inside [plumbing, appliances, etc.] is covered by basic home insurance. For water that comes from outside, like the one that drips from the roof, you need to have endorsements [additional protections].
If you have no damages that prevent you from living in your home, you will not be reimbursed. Living expenses will be paid if damage to your home renders it uninhabitable, such as a tree falling on the roof, for example.
“Normally, damage to our property is covered by our insurance. So the neighbor’s barbecue is covered by his insurance. Note that if your tree falls at the neighbor’s, it’s up to you to pick it up. »
It’s best to file claims as soon as possible, advises the Insurance Bureau of Canada.
