My pipes froze while I was away. Am I covered?
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It depends. In the standard policy, freezing is excluded after 4 days away, unless someone checked the heat every day, or the water was shut off and the pipes drained. Before leaving in winter, arrange one or the other.
A general answer. Your policy always has the final say.
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A question about your own policy?
This site explains the general rules. Only your insurer can say what your policy covers: ask your agent or broker. This site doesn’t make recommendations. To choose coverage, also talk to a certified professional.
- Check an agent or broker: AMF register, at lautorite.qc.ca
- Insurance information: Autorité des marchés financiers
- General insurance questions: Centre d’information sur les assurances, 514-288-4321 or 1-877-288-4321
- Injuries in a car accident: SAAQ
- Professional conduct: Chambre de l’assurance de dommages