Frequently asked questions

A broker is your ally. He works for you, not just for one company. By representing several insurers, your broker can compare, negotiate and offer you protection tailored to your needs. He's also there to defend your interests, especially in the event of a claim.

We work with some forty specialist insurers, each recognized in its own sector. To consult the complete list, follow this link: Insurers

The best approach: call in a professional appraiser. This will give you an accurate estimate of the cost of reconstruction or the depreciated value of your building. This approach protects you, and may even get some insurers to remove the proportional rule clause.

The proportional rule is a principle used by insurers to calculate compensation in the event of a claim when the sum insured is less than the actual value of the goods. It is designed to prevent underinsurance.

Example:

The value of your building is $500,000, and the policy requires coverage of at least 80%, or $400,000. You only insure it for $300,000. If a loss causes $100,000 in damage, the calculation will be :

Indemnity = (Amount insured ÷ Amount required) × Damages Indemnity = (300,000 ÷ 400,000) × 100,000 = $75,000

You will receive $75,000 instead of $100,000.

This rule underlines the importance of properly insuring your property to avoid reduced compensation in the event of a claim.

Congratulations on your expansion! Contact your Langelier Assurances broker as soon as possible. Foreign income can affect your liability coverage.

Notify your Langelier Assurances broker immediately. Some situations require the insurer to approve a new driver before he or she begins driving your vehicle.

After contacting the emergency services, write down the facts and notify your broker immediately. Such an incident can lead to a civil liability claim, and must be reported to the insurer without delay.

Call the emergency services if necessary. Then make a note of the circumstances and inform your broker promptly. He'll be with you every step of the way.

A detailed inventory is the best solution. We invite you to use the form provided by the Chambre de l'assurance de dommages du Québec: (insert link)...

As soon as a major change occurs :

• Moving

• Major renovations

• Purchase of jewelry, works of art or valuables

• Adding a pool, spa or auxiliary heater

• Alarm system deactivation

• Prolonged absence in winter (more than 4 days)

Here are a few examples:

• Change of address

• New distance to work

• Professional use of vehicle

• Frequent travel outside Quebec

• New driver

• End of storage