A deductible is the portion of the claim that you are responsible for that is indicated on your policy declaration statement. Your insurance company are responsible only for the amount by which the loss or damage caused by any of the Insured Perils exceeds that amount of the deductible.

Replacement cost means the value of property on the date of loss or water damage, fire damage, or the lower of repairing the property with materials of similar kind and quality or new articles of similar kind, quality and usefulness without any deduction for depreciation.

Actual Cash Value means that insured property will be replaced with something of like kind and quality less an allowance for depreciation based on its condition at the time of the loss, age and normal expected life expectancy.

Only a qualified fire damage, water damage restoration contractor trained and certified in fire and smoke damage or water damage restoration should perform emergency services.

The contractor will contact you and come to your home. When the contractor calls you, he will ask you a few questions in order to determine the crew size and amount of equipment needed.

Molds will grow when there is moisture and nutrients. Moisture accumulates within the home when there is not enough ventilation to expel that moisture. Prompt action in controlling the amount of moisture in your home following a water damage loss through the emergency drying process will prevent mould growth. If mold does grow as a direct result of an insured loss, then your policy will respond to the removal of the mold.