The program

Similar to CAA - the CDRG - Home Protection Plan is an affordable way to have peace of mind from natural & man made disasters. Sometimes the loss is not significant enough to call your insurance company. Sign up now for free to get that extra protection just in case.

HPP is a free program that enables homeowners to learn about property losses relating to perils such as FLOOD restoration, sewer back-ups, water seepage etc...or due to a high insurance claim history





Program description

Homeowners who adhere to HPP can call anytime a CDRG member if he or she does not want to (or cannot) make claim. In the event that there is a disaster, it can be solved quickly & properly by a CDRG certified member. Moreover, homeowners can take advantage of the commercial benefits from the CDRG nationwide network.

All CDRG members are certified by the Institute of Inspection, Cleaning and Restoration Certification (IICRC), the leading authority in certification of standard setting for the cleaning and restoration industry. When you hire a CDRG certified member for your restoration needs, you are choosing a qualified professional. Because your homes are such large investments, calling an IICRC-certified company is your assurance that the job will be done according to today's strict industry standard. Making sure that our clients are happy is our member's number one concern!

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"Think twice program"

It pays to educate yourself about home insurance when you're seeking affordable coverage.

• Consider paying for small losses out of your own pocket. Insurers take notice of customers who submit too many small claims. If someone breaks into your house and steals your new stereo, it might be better to go out and buy a new one at your own expense, particularly if you've had a claim or two within the past three years.
  
  
• There's always an alternative, don't get discouraged...you have the CDRG - Home Protection Plan as a viable alternative.
  
  
• Some insurers may reduce premiums for membership in an organization and this may qualify you for a discount.
  

Homeowners

Mould from ongoing minor or hidden water damage Minor or hidden water damage means that you had a leak for a long time before you became aware of it. The water seepage may be, for example, from a water pipe, hot water heater, or a window seal. You almost certainly have mould along with the leak and water damage. The adjuster and contractor will need to deal with issues, the water damage and the mould. Again, the cause of the leak will determine what costs your house insurance will cover. Discuss with your adjuster whether the cause of the minor or hidden water damage is covered by your policy and whether the mould was pre-existing.

Although this information product reflects housing experts' current knowledge, it is provided for general information purposes only. Any reliance or action taken based on the information, materials and techniques described are the responsibility of the user. Readers are advised to consult appropriate professional resources to determine what is safe and suitable in their particular case. CMHC assumes no responsibility for any consequence arising from use of the information, materials and techniques described.

Information provided from the CMHC. For more information please visit this link

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Water Damage, Mould and House Insurance
You've had water damage in your house due to a burst pipe, a roof leak or a heavy summer storm. You hope that your insurance will cover the damage. What to do? First, read about mould below. You may not know the implications of water and mould damage.


Pre-existing Mould
Typically, most insurance policies cover mould damage if it is directly related to a "covered peril" or insured loss. This means that the direct cause of the water damage, and consequently the mould growth, can be identified. Your adjuster will want to determine whether the mould you are reporting is pre-existing. In other words, was mould in your house prior to the water damage? The adjuster may make a visit to your house to assess the cause of the mold. If you have a damp basement already full of mouldy furniture and stored items, for example, and a water pipe bursts, you cannot claim for the material that was damaged prior to the water damage caused by the burst pipe. A good inspector should be able to tell the difference between pre-existing mould and recently developed mould.

The adjuster may determine that the mould is the result of some factor other than the water damage (the burst pipe) you reported, such as lack of maintenance or poor house design. If the mould was not the result of a specific occurrence that is covered by your insurance policy, the mould damage is unlikely to be covered by your policy.