Disasters are random, unpredictable and sometimes insurmountable situations. When they occur, both financial and material damage can increase considerably depending on their nature. Disasters related in particular to contamination by fungi and asbestos or the proliferation of rats and harmful insects attract attention. Before calling on an extermination company in the North Shore or decontamination company in Quebec City, it is urgent to effectively build up your insurance evidence file.
Make an inventory of your belongings
The proliferation of rodents, insects, fungi and asbestos at home is a sufficiently worrying and alarming situation. Indeed, in addition to the discomfort caused by these creatures, the disasters that result from these situations are diverse and can cause many inconveniences.
Rodents are particularly fond of cars, especially what they have under the hood. You can wake up one morning and find that it has suddenly broken down. A diagnosis will tell you that your wires and electronic sheaths have simply been severed.
If you have an electric car, its battery can be put to the test. If you notice these situations, then it is useful to proceed quickly to take pictures to serve as evidence. Indeed, this situation can cause others, more serious such as a traffic accident, because your brakes will have failed.
Canadian insurance companies cover this specific case of property or bodily damage caused by rodents. It therefore seems useful to protect yourself from these rodents through Quebec decontamination services. An inventory of your assets upstream will make it easier for you to identify those that could have been tampered with.
In the same logic, the disasters that can result from the presence in large numbers of insects and fungi in your home require special attention. Termites are fond of furniture. Losing valuable assets is a painful disaster. Contamination of the air by the presence of asbestos, mold and toxic fungi also promotes certain diseases.
When such situations arise, prepare for the arrival of an air test expert and identify your damaged belongings. Also, be sure to perform medical tests and then use your care book and invoices as proof.
Check the status of your protection insurance
To assert your rights to compensation with your insurance company, you must already ensure the state of your protection. Look at the risks and claims covered by your insurance policy, but also the exclusions. In the case of cash, you need to study your car insurance and your home insurance in depth.
Note that if your vehicle is part of the lot of damaged goods, compensation is not guaranteed. In fact, very few auto insurers offer protection against rodent damage. Faced with the expensive cost that such a situation could entail, the alternative ofprevention by extermination is to be preferred.
Similarly, when it comes to your home insurance, note that the damage caused by termites, cockroaches and other wood-boring insects are strictly regulated by insurance companies. Property and casualty insurance contracts do not cover this type of damage. The observation is indeed bitter, because the damage is present, hence the importance of pest management.
At the same time, the proliferation of mold and fungi and their health consequences are also not taken care of. For good reason, insurance companies equate their presence with a lack of maintenance of the premises. This is tantamount to saying that this disaster is entirely your fault. It will then be preferable to avoid these unfortunate disappointments by periodically carrying out asbestos decontamination operations and air tests to clean up your living environment.
Limit the damage already present
While waiting to have your insurance policy studied by an insurance law expert or to contact an extermination company in the Montreal area, it is urgent to limit the damage. It is the Law that imposes it.
Evacuate the premises in case of air toxicity
It is essential not to continue living in your home if the air becomes unbreathable. Indeed, the presence of mold and fungi en masse significantly deteriorates the viability of the air. To avoid any health risk and the development of chronic ailments, remember to free the premises and have them decontaminated. Problems with coughing, eye and throat irritation, and chronic fatigue are the list of dangers you will run.
Take out your furniture and have it treated
It is important not to leave your movable belongings on the spot, at the eternal mercy of rodents and insects. When you detect traces of advanced deterioration of your tables and sofas, take them out of the room and urgently proceed to a treatment either by fumigation process or with the help of a biocidal solution.
The speed in your reaction will determine the survival of your belongings, but also your safety and that of your loved ones. Wood-boring insects have a big appetite when they set their sights on wooden installations, which can indirectly cause incidents (case of damaged stair railing for example). So evacuate what needs to be evacuated urgently and immediately contact professionals to take care of the rest.
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