{"id":58681,"date":"2026-04-21T15:00:53","date_gmt":"2026-04-21T19:00:53","guid":{"rendered":"https:\/\/www.assur360.ca\/assur360-simulators-free-tools-for-your-financial-decisions\/after-a-home-claim-how-much-do-i-really-receive-simulator-2026\/"},"modified":"2026-04-23T18:16:37","modified_gmt":"2026-04-23T22:16:37","slug":"after-a-home-claim-how-much-do-i-really-receive-simulator-2026","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/after-a-home-claim-how-much-do-i-really-receive-simulator-2026\/","title":{"rendered":"After a home claim: how much do I really receive? Simulator 2026"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InsuranceAgency\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"telephone\":\"+1-866-357-4451\",\"logo\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\"address\":{\"@type\":\"PostalAddress\",\"addressLocality\":\"Thetford Mines\",\"addressRegion\":\"QC\",\"addressCountry\":\"CA\"},\"areaServed\":\"Qu\u00e9bec\",\"priceRange\":\"$$\",\"description\":\"Courtier d'assurance habitation certifi\u00e9 AMF au Qu\u00e9bec, comparateur de 30+ assureurs.\"}\n<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"WebApplication\",\"name\":\"Simulateur de r\u00e8glement de sinistre habitation\",\"url\":\"https:\/\/www.assur360.ca\/simulation\/combien-je-recois-apres-sinistre-habitation\/\",\"applicationCategory\":\"FinanceApplication\",\"operatingSystem\":\"Any\",\"offers\":{\"@type\":\"Offer\",\"price\":\"0\",\"priceCurrency\":\"CAD\"},\"description\":\"Outil gratuit pour estimer le montant net d'indemnit\u00e9 re\u00e7u apr\u00e8s un sinistre d'assurance habitation au Qu\u00e9bec : franchise, d\u00e9pr\u00e9ciation, sous-limites, frais suppl\u00e9mentaires et exclusions.\"}\n<\/script>\n\n<p style=\"font-size:17px;line-height:1.7;\">After water damage, fire or theft, <strong>the amount your insurer pays you<\/strong> is almost never equal to the cost of the damage. Between <strong>deductible<\/strong>, <strong>depreciation<\/strong>, <strong>sub-limits<\/strong>, <strong>exclusions<\/strong> and <strong>additional fee limits<\/strong>, the difference can be as much as 40% or more. This free simulator from Assur360 gives you a <strong>realistic estimate<\/strong> before you even talk to your claims adjuster, with tooltips to explain each coverage.  <\/p>\n\n<div style=\"background:#fef3c7;border:2px solid #f59e0b;border-radius:12px;padding:20px 24px;margin:24px 0;display:flex;gap:14px;align-items:flex-start;\">\n  <div style=\"font-size:24px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#78350f;font-weight:700;font-size:15px;margin:0 0 6px;\">Important notice \u2014 this is an estimated simulation<\/p>\n    <p style=\"color:#78350f;font-size:14px;margin:0;line-height:1.6;\">Every insurance policy and every claim is unique. The amounts calculated here are an approximation based on average practices in the Quebec market \u2014 <strong>only your insurer and adjuster can determine the exact amount<\/strong> you will receive. Limits, deductibles, ceilings and rules vary from one contract to another. Assur360 is not responsible for any decisions made on the basis of this simulation. Always consult your policy and broker for the details of your contract.    <\/p>\n  <\/div>\n<\/div>\n\n<div class=\"simcalc-wrap\">\n<style>\n.simcalc-wrap *{box-sizing:border-box}\n.simcalc-wrap{font-family:'DM Sans',system-ui,sans-serif;background:#ffffff;border:1px solid #e2e8f0;border-radius:16px;padding:0;margin:32px 0;overflow:visible;box-shadow:0 20px 60px -20px rgba(13,31,45,0.15);position:relative}\n.simcalc-header{background:linear-gradient(135deg,#0d1f2d,#1a3a4a);color:#fff;padding:28px 32px;border-radius:16px 16px 0 0}\n.simcalc-header h2{color:#fff;font-size:22px;margin:0 0 6px;font-family:'Sora',system-ui,sans-serif;font-weight:700}\n.simcalc-header p{color:#94a3b8;font-size:14px;margin:0}\n.simcalc-body{padding:28px 32px}\n.simcalc-section{margin-bottom:28px;padding-bottom:24px;border-bottom:1px solid #e2e8f0}\n.simcalc-section:last-of-type{border-bottom:none}\n.simcalc-section h3{color:#0d1f2d;font-size:16px;margin:0 0 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10px);left:50%;transform:translateX(-50%);background:#0d1f2d;color:#fff;padding:12px 14px;border-radius:8px;font-size:12px;font-weight:400;line-height:1.5;width:280px;z-index:100;box-shadow:0 10px 30px -10px rgba(13,31,45,0.6);text-align:left;white-space:normal;pointer-events:none}\n.simcalc-tip-content strong{color:#10c4c7}\n.simcalc-tip-content::after{content:'';position:absolute;top:100%;left:50%;transform:translateX(-50%);border:6px solid transparent;border-top-color:#0d1f2d}\n.simcalc-tip:hover .simcalc-tip-content,.simcalc-tip.active .simcalc-tip-content{display:block}\n.simcalc-note-info{background:#eff6ff;border-left:4px solid #3b82f6;padding:12px 14px;border-radius:6px;font-size:12px;color:#1e40af;line-height:1.6;margin:10px 0}\n.simcalc-note-info strong{color:#1e3a8a}\n@media (max-width:640px){\n  .simcalc-body{padding:20px}\n  .simcalc-header{padding:22px 20px}\n  .simcalc-grid,.simcalc-grid-3{grid-template-columns:1fr}\n  .simcalc-sublimit{grid-template-columns:1fr 1fr;gap:8px}\n  .simcalc-sublimit-limit{grid-column:1 \/ -1;margin-top:-6px}\n  .simcalc-result .simcalc-big{font-size:34px}\n  .simcalc-tip-content{width:220px;left:auto;right:-8px;transform:none}\n  .simcalc-tip-content::after{left:auto;right:12px;transform:none}\n}\n<\/style>\n<div class=\"simcalc-header\">\n  <h2><span class=\"ez-toc-section\" id=\"%F0%9F%8F%A0-Combien-je-recois-vraiment-apres-un-sinistre\"><\/span>\ud83c\udfe0 Combien je re\u00e7ois vraiment apr\u00e8s un sinistre ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Simulateur d&#8217;indemnit\u00e9 nette pour assurance habitation \u2014 Qu\u00e9bec 2026<\/p>\n<\/div>\n<div class=\"simcalc-body\">\n\n  <div class=\"simcalc-section\">\n    <h3><span class=\"simcalc-num\">1<\/span>Type et ampleur du sinistre\n      <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Indiquez les dommages <strong>estim\u00e9s par un entrepreneur<\/strong> ou par votre expert en sinistre. \u00c9vitez de sous-estimer : un devis ferme vaut toujours plus qu&#8217;une approximation rapide.<\/span><\/button>\n    <\/h3>\n    <div class=\"simcalc-grid\">\n      <div class=\"simcalc-field\">\n        <label for=\"simType\">Type de sinistre\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Le type de sinistre d\u00e9termine <strong>quelle franchise s&#8217;applique<\/strong> (standard vs sp\u00e9ciale) et <strong>si des exclusions<\/strong> peuvent s&#8217;activer. D\u00e9g\u00e2ts d&#8217;eau et vols sont les sinistres habitation les plus fr\u00e9quents au Qu\u00e9bec.<\/span><\/button>\n        <\/label>\n        <select id=\"simType\">\n          <option value=\"eau\">D\u00e9g\u00e2t d&#8217;eau (plomberie, toiture)<\/option>\n          <option value=\"refoulement\">Refoulement d&#8217;\u00e9gout<\/option>\n          <option value=\"feu\">Incendie \/ fum\u00e9e<\/option>\n          <option value=\"vol\">Vol \/ vandalisme<\/option>\n          <option value=\"vent\">Vent, gr\u00eale, foudre<\/option>\n          <option value=\"autre\">Autre sinistre couvert<\/option>\n        <\/select>\n      <\/div>\n      <div class=\"simcalc-field\">\n        <label for=\"simBien\">Biens touch\u00e9s\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Le <strong>b\u00e2timent<\/strong> = la structure (murs, planchers, toit, armoires encastr\u00e9es). Le <strong>contenu<\/strong> = tout ce qui serait transport\u00e9 en cas de d\u00e9m\u00e9nagement (meubles, v\u00eatements, \u00e9lectronique). Chacun a ses propres limites et franchises.<\/span><\/button>\n        <\/label>\n        <select id=\"simBien\">\n          <option value=\"batiment\">B\u00e2timent seulement (structure)<\/option>\n          <option value=\"contenu\">Contenu seulement (meubles, biens)<\/option>\n          <option value=\"mixte\" selected=\"selected\">Les deux (b\u00e2timent + contenu)<\/option>\n        <\/select>\n      <\/div>\n      <div class=\"simcalc-field\">\n        <label for=\"simDommageBat\">Dommages au b\u00e2timent ($)\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Co\u00fbt total estim\u00e9 pour <strong>remettre la structure \u00e0 l&#8217;\u00e9tat d&#8217;origine<\/strong> : d\u00e9molition, main-d&#8217;\u0153uvre, mat\u00e9riaux. Utilisez un devis d&#8217;entrepreneur plut\u00f4t qu&#8217;une estimation mentale.<\/span><\/button>\n        <\/label>\n        <input type=\"number\" id=\"simDommageBat\" min=\"0\" step=\"100\" value=\"50000\"\/>\n      <\/div>\n      <div class=\"simcalc-field\">\n        <label for=\"simDommageCont\">Dommages au contenu ($)\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Co\u00fbt de <strong>remplacer \u00e0 neuf<\/strong> les biens meubles endommag\u00e9s. Additionnez les valeurs en magasin aujourd&#8217;hui, pas ce que vous aviez pay\u00e9 il y a 5 ans.<\/span><\/button>\n        <\/label>\n        <input type=\"number\" id=\"simDommageCont\" min=\"0\" step=\"100\" value=\"20000\"\/>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"simcalc-section\">\n    <h3><span class=\"simcalc-num\">2<\/span>Franchise (d\u00e9ductible)\n      <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">La franchise est le montant que <strong>vous assumez vous-m\u00eame<\/strong> avant que l&#8217;assureur n&#8217;intervienne. Elle est d\u00e9duite du paiement final, vous n&#8217;avez pas \u00e0 l&#8217;avancer. Plus elle est \u00e9lev\u00e9e, plus votre prime annuelle est basse.<\/span><\/button>\n    <\/h3>\n    <div class=\"simcalc-radio-group\" id=\"simFranchiseGroup\">\n      <div class=\"simcalc-radio\" data-val=\"500\">500 $<\/div>\n      <div class=\"simcalc-radio active\" data-val=\"1000\">1 000 $<\/div>\n      <div class=\"simcalc-radio\" data-val=\"2500\">2 500 $<\/div>\n      <div class=\"simcalc-radio\" data-val=\"5000\">5 000 $<\/div>\n      <div class=\"simcalc-radio\" data-val=\"custom\">Autre<\/div>\n    <\/div>\n    <div class=\"simcalc-field\" id=\"simFranchiseCustomWrap\" style=\"margin-top:10px;display:none;\">\n      <label for=\"simFranchiseCustom\">Franchise personnalis\u00e9e ($)<\/label>\n      <input type=\"number\" id=\"simFranchiseCustom\" min=\"0\" step=\"100\" value=\"1500\"\/>\n    <\/div>\n    <div class=\"simcalc-field\" style=\"margin-top:12px;\">\n      <div class=\"simcalc-toggle\">\n        <input type=\"checkbox\" id=\"simFranchiseSpeciale\"\/>\n        <span>Sinistre \u00e0 <strong>franchise sp\u00e9ciale<\/strong> (refoulement d&#8217;\u00e9gout, tremblement de terre, eau au sol) \u2014 typiquement 1 000 $ \u00e0 5 000 $ de plus.\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">La <strong>franchise sp\u00e9ciale<\/strong> remplace la franchise standard pour certains risques cibl\u00e9s. Dans les zones \u00e0 risque (sous-sol inondable, Laurentides, Mont\u00e9r\u00e9gie), elle peut atteindre 5 000 $. Elle est distincte de la franchise standard \u2014 pas cumulative.<\/span><\/button>\n        <\/span>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"simcalc-section\">\n    <h3><span class=\"simcalc-num\">3<\/span>Valeur \u00e0 neuf ou valeur d\u00e9pr\u00e9ci\u00e9e ?\n      <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">L&#8217;avenant <strong>\u00ab valeur \u00e0 neuf \u00bb<\/strong> (aussi appel\u00e9 \u00ab co\u00fbt de remplacement \u00bb) est quasi syst\u00e9matique au Qu\u00e9bec, mais pas automatique. Sans cet avenant, l&#8217;assureur applique une d\u00e9pr\u00e9ciation selon l&#8217;\u00e2ge et l&#8217;usure \u2014 ce qui peut faire perdre 50 % \u00e0 80 % sur des biens de plus de 10 ans.<\/span><\/button>\n    <\/h3>\n    <div class=\"simcalc-radio-group\" id=\"simVanGroup\">\n      <div class=\"simcalc-radio active\" data-val=\"oui\">\u2713 Valeur \u00e0 neuf (remplacement)<\/div>\n      <div class=\"simcalc-radio\" data-val=\"non\">Valeur d\u00e9pr\u00e9ci\u00e9e<\/div>\n    <\/div>\n    <p style=\"font-size:13px;color:#64748b;margin:10px 0 0;\">La <strong>valeur \u00e0 neuf<\/strong> est l&#8217;avenant standard au Qu\u00e9bec pour le contenu. Sans cet avenant, l&#8217;assureur applique une d\u00e9pr\u00e9ciation selon l&#8217;\u00e2ge et l&#8217;usure.<\/p>\n    <div id=\"simDepWrap\" style=\"margin-top:14px;display:none;\">\n      <div class=\"simcalc-grid\">\n        <div class=\"simcalc-field\">\n          <label for=\"simAgeContenu\">\u00c2ge moyen du contenu (ann\u00e9es)\n            <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Pensez \u00e0 la <strong>moyenne pond\u00e9r\u00e9e<\/strong> : un divan neuf (1 an) et une t\u00e9l\u00e9 de 10 ans donnent une moyenne de ~5-6 ans. La d\u00e9pr\u00e9ciation du contenu est typiquement de 5 % \u00e0 10 % par ann\u00e9e selon la cat\u00e9gorie.<\/span><\/button>\n          <\/label>\n          <input type=\"number\" id=\"simAgeContenu\" min=\"0\" max=\"50\" step=\"1\" value=\"8\"\/>\n        <\/div>\n        <div class=\"simcalc-field\">\n          <label for=\"simAgeBat\">\u00c2ge des composantes du b\u00e2timent (ann\u00e9es)\n            <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Pour un toit, rev\u00eatement ou plancher. La d\u00e9pr\u00e9ciation est plus lente sur le b\u00e2timent : environ <strong>2 % \u00e0 4 % par ann\u00e9e<\/strong>, plafonn\u00e9e \u00e0 60 %. Un bardeau d&#8217;asphalte de 20 ans sera typiquement d\u00e9pr\u00e9ci\u00e9 \u00e0 50-60 %.<\/span><\/button>\n          <\/label>\n          <input type=\"number\" id=\"simAgeBat\" min=\"0\" max=\"100\" step=\"1\" value=\"15\"\/>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"simcalc-section\">\n    <h3><span class=\"simcalc-num\">4<\/span>Biens avec sous-limites\n      <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Les <strong>sous-limites<\/strong> sont des plafonds sp\u00e9cifiques inscrits dans votre police pour certaines cat\u00e9gories de biens \u00e0 risque (vol, perte). M\u00eame si votre contenu total est assur\u00e9 \u00e0 100 000 $, vos bijoux sont plafonn\u00e9s \u00e0 ~4 000 $ par exemple. Les montants indiqu\u00e9s sont des <strong>moyennes du march\u00e9<\/strong> \u2014 consultez votre contrat pour les limites exactes.<\/span><\/button>\n    <\/h3>\n    <p style=\"font-size:13px;color:#64748b;margin:0 0 14px;\">Indiquez la valeur <strong>r\u00e9clam\u00e9e<\/strong> par cat\u00e9gorie. Chaque police impose une limite maximale pour ces biens (valeurs indicatives \u2014 consultez votre contrat).<\/p>\n    <div class=\"simcalc-sublimit\">\n      <div class=\"simcalc-sublimit-name\">Bijoux, montres, pierres pr\u00e9cieuses\n        <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Limite typique <strong>4 000 $ au total<\/strong> (pas par bijou). Inclut aussi les montres et pierres pr\u00e9cieuses. Pour des bagues, colliers ou montres d\u00e9passant ce seuil, il faut un <strong>avenant \u00ab articles pr\u00e9cieux \u00bb<\/strong> avec \u00e9valuation individuelle.<\/span><\/button>\n        <small>Limite typique : 4 000 $<\/small>\n      <\/div>\n      <input type=\"number\" id=\"simSublBijoux\" min=\"0\" step=\"100\" value=\"0\" placeholder=\"0 $\"\/>\n      <div class=\"simcalc-sublimit-limit\">Limite 4 000 $<\/div>\n    <\/div>\n    <div class=\"simcalc-sublimit\">\n      <div class=\"simcalc-sublimit-name\">Argent comptant\n        <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Limite typique <strong>500 $<\/strong>, parfois 1 000 $. Inclut billets, pi\u00e8ces de monnaie, lingots. Les cryptomonnaies et placements num\u00e9riques sont g\u00e9n\u00e9ralement <strong>exclus<\/strong>.<\/span><\/button>\n        <small>Limite typique : 500 $<\/small>\n      <\/div>\n      <input type=\"number\" id=\"simSublCash\" min=\"0\" step=\"50\" value=\"0\" placeholder=\"0 $\"\/>\n      <div class=\"simcalc-sublimit-limit\">Limite 500 $<\/div>\n    <\/div>\n    <div class=\"simcalc-sublimit\">\n      <div class=\"simcalc-sublimit-name\">V\u00e9los, accessoires de sport\n        <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Limite typique <strong>1 500 $ par v\u00e9lo<\/strong> (et non par collection). Un v\u00e9lo \u00e9lectrique \u00e0 4 000 $ laisserait 2 500 $ \u00e0 votre charge sans avenant. Les v\u00e9los gard\u00e9s \u00e0 l&#8217;ext\u00e9rieur sans antivol sont souvent exclus.<\/span><\/button>\n        <small>Limite typique : 1 500 $ \/ v\u00e9lo<\/small>\n      <\/div>\n      <input type=\"number\" id=\"simSublVelo\" min=\"0\" step=\"100\" value=\"0\" placeholder=\"0 $\"\/>\n      <div class=\"simcalc-sublimit-limit\">Limite 1 500 $<\/div>\n    <\/div>\n    <div class=\"simcalc-sublimit\">\n      <div class=\"simcalc-sublimit-name\">\u0152uvres d&#8217;art, antiquit\u00e9s, objets de collection\n        <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Limite typique <strong>5 000 $ global<\/strong>. Inclut peintures, sculptures, c\u00e9ramiques, livres rares, timbres, collections sportives. Au-del\u00e0, avenant avec expertise \u00e9crite exig\u00e9e.<\/span><\/button>\n        <small>Limite typique : 5 000 $<\/small>\n      <\/div>\n      <input type=\"number\" id=\"simSublArt\" min=\"0\" step=\"100\" value=\"0\" placeholder=\"0 $\"\/>\n      <div class=\"simcalc-sublimit-limit\">Limite 5 000 $<\/div>\n    <\/div>\n    <div class=\"simcalc-sublimit\">\n      <div class=\"simcalc-sublimit-name\">Outils \/ \u00e9quipements professionnels\n        <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Limite typique <strong>2 500 $<\/strong>. Couvre outils utilis\u00e9s dans le cadre d&#8217;un emploi ou d&#8217;un travail autonome. Pour un menuisier, plombier ou photographe avec plus que cela, une <strong>police d&#8217;assurance commerciale<\/strong> est g\u00e9n\u00e9ralement requise.<\/span><\/button>\n        <small>Limite typique : 2 500 $<\/small>\n      <\/div>\n      <input type=\"number\" id=\"simSublOutils\" min=\"0\" step=\"100\" value=\"0\" placeholder=\"0 $\"\/>\n      <div class=\"simcalc-sublimit-limit\">Limite 2 500 $<\/div>\n    <\/div>\n    <div class=\"simcalc-sublimit\">\n      <div class=\"simcalc-sublimit-name\">Titres, documents, cartes-cadeaux\n        <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Limite typique <strong>2 000 $<\/strong>. Inclut titres de transport, passeports, cartes-cadeaux, billets de spectacle, documents notari\u00e9s. Conservez des copies num\u00e9riques ailleurs.<\/span><\/button>\n        <small>Limite typique : 2 000 $<\/small>\n      <\/div>\n      <input type=\"number\" id=\"simSublTitres\" min=\"0\" step=\"100\" value=\"0\" placeholder=\"0 $\"\/>\n      <div class=\"simcalc-sublimit-limit\">Limite 2 000 $<\/div>\n    <\/div>\n    <div class=\"simcalc-sublimit\">\n      <div class=\"simcalc-sublimit-name\">Vins, spiritueux, cigares\n        <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Limite typique <strong>2 500 $<\/strong>. Les cellules \u00e0 vin et collections importantes n\u00e9cessitent un avenant. Les dommages par coupure d&#8217;\u00e9lectricit\u00e9 causant un d\u00e9gel ne sont pas toujours couverts.<\/span><\/button>\n        <small>Limite typique : 2 500 $<\/small>\n      <\/div>\n      <input type=\"number\" id=\"simSublVins\" min=\"0\" step=\"100\" value=\"0\" placeholder=\"0 $\"\/>\n      <div class=\"simcalc-sublimit-limit\">Limite 2 500 $<\/div>\n    <\/div>\n    <p style=\"font-size:12px;color:#64748b;margin:12px 0 0;font-style:italic;\">Les montants r\u00e9clam\u00e9s dans ces cat\u00e9gories <strong>sont d\u00e9j\u00e0 comptabilis\u00e9s dans le dommage au contenu ci-dessus<\/strong> ; l&#8217;outil les traite s\u00e9par\u00e9ment pour appliquer la bonne limite.<\/p>\n  <\/div>\n\n  <div class=\"simcalc-section\">\n    <h3><span class=\"simcalc-num\">5<\/span>Frais suppl\u00e9mentaires\n      <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Les <strong>frais suppl\u00e9mentaires<\/strong> sont des garanties additionnelles qui s&#8217;ajoutent \u00e0 l&#8217;indemnisation principale. Chacune a son propre plafond et souvent sa propre p\u00e9riode d&#8217;application.<\/span><\/button>\n    <\/h3>\n    <div class=\"simcalc-grid-3\">\n      <div class=\"simcalc-field\">\n        <label for=\"simFraisHeber\">H\u00e9bergement temporaire ($)\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">H\u00f4tel ou loyer d&#8217;un logement substitut pendant les travaux. Couvert sous la garantie <strong>\u00ab frais de subsistance suppl\u00e9mentaires \u00bb<\/strong>, plafonn\u00e9e g\u00e9n\u00e9ralement \u00e0 20 % du montant d&#8217;assurance contenu, pour une p\u00e9riode maximale de 12 \u00e0 24 mois.<\/span><\/button>\n        <\/label>\n        <span class=\"hint\">H\u00f4tel \/ loyer substitut pendant les travaux<\/span>\n        <input type=\"number\" id=\"simFraisHeber\" min=\"0\" step=\"100\" value=\"0\" placeholder=\"0 $\"\/>\n      <\/div>\n      <div class=\"simcalc-field\">\n        <label for=\"simFraisRepas\">Frais de repas et transport ($)\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Seul le <strong>surco\u00fbt<\/strong> par rapport \u00e0 vos d\u00e9penses normales est couvert. Si vous d\u00e9pensez 500 $\/mois en \u00e9picerie \u00e0 la maison et 1 200 $ en restaurants \u00e0 l&#8217;h\u00f4tel, vous pouvez r\u00e9clamer 700 $ \u2014 pas 1 200 $.<\/span><\/button>\n        <\/label>\n        <span class=\"hint\">Surco\u00fbt par rapport \u00e0 vos d\u00e9penses normales<\/span>\n        <input type=\"number\" id=\"simFraisRepas\" min=\"0\" step=\"50\" value=\"0\" placeholder=\"0 $\"\/>\n      <\/div>\n      <div class=\"simcalc-field\">\n        <label for=\"simFraisDebris\">Enl\u00e8vement des d\u00e9bris ($)\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">D\u00e9molition, nettoyage et transport des mat\u00e9riaux endommag\u00e9s. Typiquement couvert \u00e0 <strong>5 % du montant d&#8217;assurance b\u00e2timent<\/strong>, souvent inclus dans la garantie principale sans plafond distinct.<\/span><\/button>\n        <\/label>\n        <span class=\"hint\">G\u00e9n\u00e9ralement couvert \u00e0 5 % du C b\u00e2timent<\/span>\n        <input type=\"number\" id=\"simFraisDebris\" min=\"0\" step=\"100\" value=\"0\" placeholder=\"0 $\"\/>\n      <\/div>\n      <div class=\"simcalc-field\">\n        <label for=\"simFraisCode\">Mise aux normes (code du b\u00e2timent) ($)\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Lorsque le Code du b\u00e2timent 2026 exige des mat\u00e9riaux ou des m\u00e9thodes plus co\u00fbteuses que lors de la construction originale. Plafond typique <strong>10 000 $ sans avenant<\/strong>, 50 000 $ avec avenant \u00ab garantie code du b\u00e2timent \u00bb.<\/span><\/button>\n        <\/label>\n        <span class=\"hint\">Travaux exig\u00e9s par la r\u00e9glementation 2026<\/span>\n        <input type=\"number\" id=\"simFraisCode\" min=\"0\" step=\"100\" value=\"0\" placeholder=\"0 $\"\/>\n      <\/div>\n      <div class=\"simcalc-field\">\n        <label for=\"simFraisArbres\">Arbres, haies, am\u00e9nagement paysager ($)\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Limite typique <strong>500 $ par arbre \/ arbuste<\/strong>, avec un plafond global de 5 % du montant d&#8217;assurance b\u00e2timent. Couvre la chute par vent, gr\u00eale, feu, vandalisme \u2014 <strong>pas<\/strong> les maladies ou l&#8217;usure.<\/span><\/button>\n        <\/label>\n        <span class=\"hint\">Limite typique : 500 $ par arbre, 5 % du C b\u00e2timent<\/span>\n        <input type=\"number\" id=\"simFraisArbres\" min=\"0\" step=\"100\" value=\"0\" placeholder=\"0 $\"\/>\n      <\/div>\n      <div class=\"simcalc-field\">\n        <label for=\"simFraisAutre\">Autres frais couverts ($)\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Serrurier apr\u00e8s vol, protection temporaire (b\u00e2chage), frais de gardiennage, notaire pour preuve de d\u00e9c\u00e8s en cas de sinistre fatal. Chaque police varie.<\/span><\/button>\n        <\/label>\n        <span class=\"hint\">Serrurier, protection temporaire, etc.<\/span>\n        <input type=\"number\" id=\"simFraisAutre\" min=\"0\" step=\"50\" value=\"0\" placeholder=\"0 $\"\/>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"simcalc-section\">\n    <h3><span class=\"simcalc-num\">6<\/span>R\u00e8gle proportionnelle (avanc\u00e9)\n      <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\"><strong>Peu fr\u00e9quent en habitation r\u00e9sidentielle au Qu\u00e9bec.<\/strong> Le <strong>Bureau d&#8217;assurance du Canada<\/strong> a retir\u00e9 cette clause des formulaires types pour particuliers. La garantie \u00ab valeur \u00e0 neuf du b\u00e2timent \u00bb, syst\u00e9matique dans les contrats modernes, l&#8217;\u00e9limine tant que vous \u00eates assur\u00e9 au co\u00fbt de reconstruction complet. Elle reste <strong>fr\u00e9quente en copropri\u00e9t\u00e9 (syndicat) et en assurance d&#8217;entreprise<\/strong>.<\/span><\/button>\n    <\/h3>\n    <div class=\"simcalc-note-info\">\n      <strong>\u2139 Bon \u00e0 savoir :<\/strong> En <strong>assurance habitation r\u00e9sidentielle qu\u00e9b\u00e9coise moderne<\/strong>, la r\u00e8gle proportionnelle n&#8217;est <strong>g\u00e9n\u00e9ralement PAS appliqu\u00e9e<\/strong> \u2014 les formulaires du BAC l&#8217;ont retir\u00e9e et la garantie valeur \u00e0 neuf du b\u00e2timent la d\u00e9sactive. De plus, la majorit\u00e9 des assureurs <strong>n&#8217;appliquent pas la clause pour les sinistres de moins de 5 000 $ \u00e0 10 000 $<\/strong>, m\u00eame quand elle figure au contrat. Ne cochez la case ci-dessous que si votre contrat contient explicitement une clause de coassurance ou si vous \u00eates en copropri\u00e9t\u00e9\/entreprise.\n    <\/div>\n    <div class=\"simcalc-toggle\" style=\"margin-top:12px;\">\n      <input type=\"checkbox\" id=\"simCoassOn\"\/>\n      <span>Mon contrat contient explicitement une <strong>clause de r\u00e8gle proportionnelle (coassurance)<\/strong> \u2014 typiquement copropri\u00e9t\u00e9, logement locatif multi-logements, b\u00e2timent ancestral.<\/span>\n    <\/div>\n    <div id=\"simCoassFields\" style=\"margin-top:14px;display:none;\">\n      <div class=\"simcalc-grid\">\n        <div class=\"simcalc-field\">\n          <label for=\"simValeurReconstruction\">Valeur de reconstruction \u00e0 neuf du b\u00e2timent ($)\n            <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Co\u00fbt pour <strong>reb\u00e2tir \u00e0 neuf en 2026<\/strong>, pas la valeur marchande. Comptez 260 $ \u00e0 380 $ du pied carr\u00e9 au Qu\u00e9bec selon la r\u00e9gion et la qualit\u00e9 des finitions. Cette valeur exclut le terrain.<\/span><\/button>\n          <\/label>\n          <span class=\"hint\">Co\u00fbt pour reb\u00e2tir \u00e0 neuf en 2026 (non la valeur marchande)<\/span>\n          <input type=\"number\" id=\"simValeurReconstruction\" min=\"0\" step=\"10000\" value=\"400000\"\/>\n        <\/div>\n        <div class=\"simcalc-field\">\n          <label for=\"simMontantAssure\">Montant d&#8217;assurance b\u00e2timent souscrit ($)\n            <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Le \u00ab montant d&#8217;assurance b\u00e2timent \u00bb ou \u00ab garantie A \u00bb inscrit dans votre contrat. \u00c0 ne pas confondre avec le contenu (garantie B) ou la responsabilit\u00e9 civile (garantie E).<\/span><\/button>\n          <\/label>\n          <span class=\"hint\">Le \u00ab C b\u00e2timent \u00bb inscrit dans votre police<\/span>\n          <input type=\"number\" id=\"simMontantAssure\" min=\"0\" step=\"10000\" value=\"400000\"\/>\n        <\/div>\n      <\/div>\n      <div class=\"simcalc-toggle\" style=\"margin-top:12px;\">\n        <input type=\"checkbox\" id=\"simCoassPetit\" checked=\"checked\"\/>\n        <span>Ne pas appliquer la r\u00e8gle proportionnelle si <strong>dommage total < 5 000 $<\/strong> (pratique courante des assureurs).\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">La majorit\u00e9 des assureurs, m\u00eame lorsqu&#8217;une clause existe, <strong>renoncent \u00e0 l&#8217;appliquer pour les petits sinistres<\/strong> \u2014 le seuil varie de 2 500 $ \u00e0 10 000 $ selon l&#8217;assureur. D\u00e9cochez cette case seulement si votre contrat ne pr\u00e9voit pas ce seuil.<\/span><\/button>\n        <\/span>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"simcalc-section\">\n    <h3><span class=\"simcalc-num\">7<\/span>Exclusions ou limitations possibles\n      <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Les <strong>exclusions<\/strong> sont des situations o\u00f9 la couverture est r\u00e9duite ou nulle. Beaucoup peuvent \u00eatre annul\u00e9es en ajoutant l&#8217;<strong>avenant correspondant<\/strong> \u00e0 votre police (souvent 30 $ \u00e0 150 $\/an par avenant).<\/span><\/button>\n    <\/h3>\n    <p style=\"font-size:13px;color:#64748b;margin:0 0 14px;\">Cochez les situations qui s&#8217;appliquent \u2014 elles peuvent annuler ou r\u00e9duire la couverture si l&#8217;avenant n&#8217;est pas souscrit.<\/p>\n    <div class=\"simcalc-grid\">\n      <div class=\"simcalc-toggle\">\n        <input type=\"checkbox\" id=\"simExclRefoul\"\/>\n        <span>Refoulement d&#8217;\u00e9gout <strong>sans avenant<\/strong>\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Le refoulement d&#8217;\u00e9gout (eau qui remonte par les drains de sous-sol) est <strong>exclu par d\u00e9faut<\/strong>. L&#8217;avenant \u00ab refoulement \u00bb co\u00fbte 60 $ \u00e0 150 $\/an et inclut g\u00e9n\u00e9ralement une franchise sp\u00e9ciale.<\/span><\/button>\n        <\/span>\n      <\/div>\n      <div class=\"simcalc-toggle\">\n        <input type=\"checkbox\" id=\"simExclSol\"\/>\n        <span>Eau au sol ou infiltration sous-sol sans avenant\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Eau provenant du sol (nappe phr\u00e9atique, pluies torrentielles, ruissellement). L&#8217;avenant \u00ab eau au sol \u00bb est obligatoire dans les zones \u00e0 risque (Laval, Mont\u00e9r\u00e9gie, Laurentides, bords de rivi\u00e8re).<\/span><\/button>\n        <\/span>\n      <\/div>\n      <div class=\"simcalc-toggle\">\n        <input type=\"checkbox\" id=\"simExclSeisme\"\/>\n        <span>Tremblement de terre sans avenant\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Zone sismique mod\u00e9r\u00e9e \u00e0 Charlevoix et dans la r\u00e9gion de Qu\u00e9bec. L&#8217;avenant co\u00fbte 30 $ \u00e0 80 $\/an mais applique une <strong>franchise tr\u00e8s \u00e9lev\u00e9e<\/strong> (souvent 3 % \u00e0 10 % du C b\u00e2timent).<\/span><\/button>\n        <\/span>\n      <\/div>\n      <div class=\"simcalc-toggle\">\n        <input type=\"checkbox\" id=\"simExclInond\"\/>\n        <span>Inondation par d\u00e9bordement d&#8217;un cours d&#8217;eau\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">D\u00e9bordement de rivi\u00e8re, fleuve, lac. Couverture souvent offerte depuis 2016 sous l&#8217;avenant <strong>\u00ab eaux de surface \u00bb<\/strong>, mais avec cartographie de zones \u00e0 risque : certaines r\u00e9sidences dans les zones les plus \u00e9lev\u00e9es sont <strong>inassurables<\/strong>.<\/span><\/button>\n        <\/span>\n      <\/div>\n      <div class=\"simcalc-toggle\">\n        <input type=\"checkbox\" id=\"simExclVacance\"\/>\n        <span>Logement vacant > 30 jours avant le sinistre\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">La majorit\u00e9 des polices r\u00e9duisent ou <strong>excluent enti\u00e8rement la couverture<\/strong> apr\u00e8s 30 jours d&#8217;inoccupation sans avis \u00e9crit. Un d\u00e9placement en Floride de 90 jours sans d\u00e9claration peut annuler votre protection en cas de sinistre.<\/span><\/button>\n        <\/span>\n      <\/div>\n      <div class=\"simcalc-toggle\">\n        <input type=\"checkbox\" id=\"simExclUsure\"\/>\n        <span>Usure, vice cach\u00e9 ou d\u00e9faut d&#8217;entretien\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\"><strong>Toujours exclus<\/strong>, dans toutes les polices d&#8217;assurance. L&#8217;assurance couvre les \u00e9v\u00e9nements <strong>soudains et accidentels<\/strong>, pas l&#8217;usure graduelle (fuite lente au raccord depuis 6 mois, toit trop vieux, moisissure chronique).<\/span><\/button>\n        <\/span>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <button class=\"simcalc-cta-btn\" id=\"simcalcGo\">Calculer mon indemnit\u00e9 estim\u00e9e \u2192<\/button>\n\n  <div class=\"simcalc-result\" id=\"simcalcResult\">\n    <h3>Votre indemnit\u00e9 nette estim\u00e9e<\/h3>\n    <p class=\"simcalc-big\" id=\"simcalcNet\">\u2014<\/p>\n    <p class=\"simcalc-sub\" id=\"simcalcPct\">\u2014<\/p>\n    <div class=\"simcalc-breakdown\" id=\"simcalcBreakdown\"><\/div>\n    <div id=\"simcalcWarns\"><\/div>\n    <div class=\"simcalc-disclaimer-box\">\n      <strong>\u26a0 Estimation \u00e0 titre indicatif seulement.<\/strong> Ces chiffres sont calcul\u00e9s \u00e0 partir de moyennes du march\u00e9 qu\u00e9b\u00e9cois et ne tiennent pas compte des particularit\u00e9s de votre police, de votre historique de r\u00e9clamations, ni de l&#8217;appr\u00e9ciation de l&#8217;expert en sinistre. <strong>Assur360 se d\u00e9gage de toute responsabilit\u00e9<\/strong> quant aux d\u00e9cisions prises sur la base de cette simulation. Consultez toujours votre contrat et votre courtier pour le montant exact.\n    <\/div>\n  <\/div>\n\n<\/div>\n<\/div>\n\n<script data-no-optimize=\"1\" data-no-defer=\"1\" data-cfasync=\"false\">\n(function(){\n  var fr = 1000, van = 'oui';\n\n  \/\/ Tooltip click-to-toggle for mobile\n  document.querySelectorAll('.simcalc-wrap .simcalc-tip').forEach(function(t){\n    t.addEventListener('click', function(e){\n      e.preventDefault(); e.stopPropagation();\n      var wasActive = t.classList.contains('active');\n      document.querySelectorAll('.simcalc-wrap .simcalc-tip.active').forEach(function(x){ x.classList.remove('active'); });\n      if(!wasActive) t.classList.add('active');\n    });\n  });\n  document.addEventListener('click', function(e){\n    if(!e.target.closest('.simcalc-tip')){\n      document.querySelectorAll('.simcalc-wrap .simcalc-tip.active').forEach(function(x){ x.classList.remove('active'); });\n    }\n  });\n\n  var radios = document.querySelectorAll('#simFranchiseGroup .simcalc-radio');\n  radios.forEach(function(r){ r.addEventListener('click', function(){\n    radios.forEach(function(x){ x.classList.remove('active'); });\n    r.classList.add('active');\n    fr = r.dataset.val;\n    document.getElementById('simFranchiseCustomWrap').style.display = (fr==='custom') ? '' : 'none';\n  });});\n  var vanRadios = document.querySelectorAll('#simVanGroup .simcalc-radio');\n  vanRadios.forEach(function(r){ r.addEventListener('click', function(){\n    vanRadios.forEach(function(x){ x.classList.remove('active'); });\n    r.classList.add('active');\n    van = r.dataset.val;\n    document.getElementById('simDepWrap').style.display = (van==='non') ? '' : 'none';\n  });});\n\n  document.getElementById('simCoassOn').addEventListener('change', function(){\n    document.getElementById('simCoassFields').style.display = this.checked ? '' : 'none';\n  });\n\n  function fmt(n){ if(!isFinite(n)) n=0; return (Math.round(n)).toLocaleString('fr-CA') + ' $'; }\n  function num(id){ var v = parseFloat(document.getElementById(id).value); return isNaN(v) ? 0 : Math.max(0, v); }\n\n  document.getElementById('simcalcGo').addEventListener('click', function(){\n    var warns = [];\n    var dommageBat = num('simDommageBat');\n    var dommageCont = num('simDommageCont');\n    var typeBien = document.getElementById('simBien').value;\n    var typeSin = document.getElementById('simType').value;\n    if(typeBien==='batiment') dommageCont = 0;\n    if(typeBien==='contenu') dommageBat = 0;\n    var brut = dommageBat + dommageCont;\n\n    \/\/ Exclusions\n    var exclRefoul = document.getElementById('simExclRefoul').checked;\n    var exclSol = document.getElementById('simExclSol').checked;\n    var exclSeisme = document.getElementById('simExclSeisme').checked;\n    var exclInond = document.getElementById('simExclInond').checked;\n    var exclVacance = document.getElementById('simExclVacance').checked;\n    var exclUsure = document.getElementById('simExclUsure').checked;\n    var sinistreRefuse = false;\n    if(typeSin==='refoulement' && exclRefoul){ sinistreRefuse = true; warns.push('<strong>Sinistre potentiellement refus\u00e9 : refoulement d'\u00e9gout sans avenant \u2014 couverture nulle dans la majorit\u00e9 des contrats.'); }\n    if(exclSol){ warns.push('<\/strong><strong>Eau au sol sans avenant : les dommages li\u00e9s \u00e0 l'infiltration par le sol sont g\u00e9n\u00e9ralement exclus.'); }\n    if(exclSeisme){ warns.push('<\/strong><strong>Tremblement de terre : exclu par d\u00e9faut, avenant requis (franchise \u00e9lev\u00e9e).'); }\n    if(exclInond){ warns.push('<\/strong><strong>Inondation par d\u00e9bordement : souvent non couverte ; v\u00e9rifiez l'avenant \u00ab eaux de surface \u00bb.'); }\n    if(exclVacance){ warns.push('<\/strong><strong>Logement vacant : la plupart des polices r\u00e9duisent ou excluent la couverture apr\u00e8s 30 jours d'inoccupation sans avis \u00e9crit.'); }\n    if(exclUsure){ warns.push('<\/strong><strong>Usure ou vice cach\u00e9 : toujours exclus \u2014 seuls les dommages accidentels et soudains sont couverts.'); }\n\n    \/\/ Sous-limites\n    var subl = [\n      {id:'simSublBijoux', nom:'Bijoux\/montres', lim:4000},\n      {id:'simSublCash', nom:'Argent comptant', lim:500},\n      {id:'simSublVelo', nom:'V\u00e9los', lim:1500},\n      {id:'simSublArt', nom:'\u0152uvres d'art', lim:5000},\n      {id:'simSublOutils', nom:'Outils pro', lim:2500},\n      {id:'simSublTitres', nom:'Titres\/documents', lim:2000},\n      {id:'simSublVins', nom:'Vins\/spiritueux', lim:2500}\n    ];\n    var perteSublimite = 0;\n    subl.forEach(function(s){\n      var rec = num(s.id);\n      if(rec > s.lim){\n        perteSublimite += (rec - s.lim);\n        warns.push('<\/strong><strong>'+s.nom+' : vous r\u00e9clamez '+fmt(rec)+' mais la limite typique est '+fmt(s.lim)+'. Perte de '+fmt(rec - s.lim)+'.');\n      }\n    });\n\n    \/\/ D\u00e9pr\u00e9ciation\n    var deprecBat = 0, deprecCont = 0;\n    if(van === 'non'){\n      var ageBat = num('simAgeBat');\n      var ageCont = num('simAgeContenu');\n      var tauxBat = Math.min(0.60, ageBat * 0.03);\n      var tauxCont = Math.min(0.80, ageCont * 0.08);\n      deprecBat = dommageBat * tauxBat;\n      deprecCont = dommageCont * tauxCont;\n      warns.push('<\/strong><strong>D\u00e9pr\u00e9ciation appliqu\u00e9e : sans avenant \u00ab valeur \u00e0 neuf \u00bb, l'assureur d\u00e9duit '+Math.round(tauxBat*100)+' % sur le b\u00e2timent et '+Math.round(tauxCont*100)+' % sur le contenu selon l'\u00e2ge.');\n    }\n\n    \/\/ R\u00e8gle proportionnelle \u2014 SEULEMENT SI la case est coch\u00e9e\n    var coassOn = document.getElementById('simCoassOn').checked;\n    var coassPetit = document.getElementById('simCoassPetit').checked;\n    var coefCoass = 1;\n    var penaliteCoass = 0;\n    if(coassOn){\n      var valRec = num('simValeurReconstruction');\n      var montAss = num('simMontantAssure');\n      \/\/ Pratique courante : non appliqu\u00e9e pour < 5000$\n      if(coassPetit &#038;&#038; brut < 5000){\n        warns.push('<\/strong><strong>R\u00e8gle proportionnelle ignor\u00e9e : sinistre inf\u00e9rieur \u00e0 5 000 $ \u2014 la plupart des assureurs ne l'appliquent pas dans ce cas.');\n      } else if(valRec > 0 && montAss > 0){\n        var ratio = montAss \/ (valRec * 0.80);\n        if(ratio < 1){\n          coefCoass = ratio;\n          penaliteCoass = (dommageBat - deprecBat) * (1 - ratio);\n          warns.push('<\/strong><strong>Sous-assur\u00e9 : votre montant d'assurance ('+fmt(montAss)+') est inf\u00e9rieur \u00e0 80 % de la valeur de reconstruction ('+fmt(valRec * 0.80)+' requis). P\u00e9nalit\u00e9 coassurance : '+fmt(penaliteCoass)+'.');\n        }\n      }\n    } else {\n      \/\/ Info contextuelle\n      warns.push('<\/strong><strong>Note : En assurance habitation r\u00e9sidentielle qu\u00e9b\u00e9coise moderne, la r\u00e8gle proportionnelle n'est g\u00e9n\u00e9ralement pas appliqu\u00e9e \u2014 merci de l'avoir correctement identifi\u00e9e.');\n    }\n\n    \/\/ Frais suppl\u00e9mentaires\n    var fHeber = num('simFraisHeber');\n    var fRepas = num('simFraisRepas');\n    var fDebris = num('simFraisDebris');\n    var fCode = num('simFraisCode');\n    var fArbres = num('simFraisArbres');\n    var fAutre = num('simFraisAutre');\n    var plafondSubsistance = Math.max(dommageCont * 3, 5000);\n    var subsistance = fHeber + fRepas;\n    var subsistanceAjustee = Math.min(subsistance, plafondSubsistance);\n    if(subsistance > plafondSubsistance){\n      warns.push('<\/strong><strong>Frais de subsistance : plafond estim\u00e9 \u00e0 '+fmt(plafondSubsistance)+'. Exc\u00e9dent non couvert : '+fmt(subsistance - plafondSubsistance)+'.');\n    }\n    var plafondCode = 10000;\n    var codeAjuste = Math.min(fCode, plafondCode);\n    if(fCode > plafondCode){\n      warns.push('<\/strong><strong>Mise aux normes : plafond typique 10 000 $ sans avenant \u00ab code du b\u00e2timent \u00bb. Exc\u00e9dent : '+fmt(fCode - plafondCode)+'.');\n    }\n    var montAssPourArbres = coassOn ? num('simMontantAssure') : dommageBat * 2;\n    var plafondArbres = montAssPourArbres > 0 ? Math.min(montAssPourArbres * 0.05, 5000) : 2500;\n    var arbresAjuste = Math.min(fArbres, plafondArbres);\n    if(fArbres > plafondArbres){\n      warns.push('<\/strong><strong>Arbres\/paysage : plafond estim\u00e9 '+fmt(plafondArbres)+'. Exc\u00e9dent : '+fmt(fArbres - plafondArbres)+'.');\n    }\n\n    var fraisCouverts = subsistanceAjustee + fDebris + codeAjuste + arbresAjuste + fAutre;\n\n    \/\/ Franchise\n    var franchise = 0;\n    if(fr === 'custom'){ franchise = num('simFranchiseCustom'); }\n    else { franchise = parseFloat(fr); }\n    if(document.getElementById('simFranchiseSpeciale').checked){\n      franchise += 2500;\n      warns.push('<\/strong><strong>Franchise sp\u00e9ciale : +2 500 $ typique pour refoulement d'\u00e9gout ou eau au sol.');\n    }\n\n    \/\/ Calcul final\n    var indemBat = Math.max(0, dommageBat - deprecBat) * coefCoass;\n    var indemCont = Math.max(0, dommageCont - deprecCont) - perteSublimite;\n    if(indemCont < 0) indemCont = 0;\n    var sousTotal = indemBat + indemCont + fraisCouverts;\n    var net = sinistreRefuse ? 0 : Math.max(0, sousTotal - franchise);\n    var totalReclame = brut + subsistance + fDebris + fCode + fArbres + fAutre;\n    var pct = totalReclame > 0 ? (net \/ totalReclame) * 100 : 0;\n\n    document.getElementById('simcalcNet').textContent = fmt(net);\n    document.getElementById('simcalcPct').textContent = sinistreRefuse ? 'Sinistre vraisemblablement refus\u00e9 selon les exclusions coch\u00e9es.' : ('\u2248 ' + pct.toFixed(0) + ' % du montant total r\u00e9clam\u00e9 ('+fmt(totalReclame)+')');\n\n    var bd = '';\n    bd += '<div class=\"simcalc-breakdown-row\"><span>Dommage brut d\u00e9clar\u00e9<span>'+fmt(totalReclame)+'<\/span><\/span><\/div><\/strong><\/script>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-You-Rarely-Get-100-of-Your-Damage\"><\/span>Why You Rarely Get 100% of Your Damage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>In Quebec, the <strong>average difference between the actual cost of a home claim and the compensation paid<\/strong> is between 15% and 40%, according to statistics <a href=\"https:\/\/bac-quebec.qc.ca\/\" rel=\"noopener\">from the Insurance Bureau of Canada<\/a>. These are not abusive practices: they are the <strong>standard contractual rules<\/strong> that apply to any home insurance policy. Here are the 6 mechanisms that reduce the amount you receive.  <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcb5<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Frankness<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Amount that you assume yourself before the insurer intervenes. Typically $500 to $2,500, plus a <strong>special deductible<\/strong> of $1,000 to $5,000 for sewer backup, ground water or earthquake. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcc9<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Depreciation<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Without the <strong>replacement cost<\/strong> endorsement, the insurer depreciates your property according to its age and wear and tear. A 10-year-old sofa is often worth less than 20% of its purchase price in the eyes of the insurer. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd10<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Sub-limits<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Jewelry, money, bicycles, artwork: each category has a <strong>maximum cap<\/strong> ($500 to $5,000). If your belongings are worth more, the surplus is lost, unless you have a &#8220;precious items&#8221; endorsement. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u2696\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Proportional rule<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\"><strong>Not very common in private housing<\/strong> (IBC has removed it from the standard forms). It remains common in <strong>condominiums, companies and multi-rental housing<\/strong>. When it applies and the building is insured at less than 80% of its reconstruction value, the indemnity is reduced on a pro rata basis.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udeab<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Exclusions<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Backup, ground water, earthquake, flooding, wear and tear and latent defects: all excluded by default. A <strong>specific amendment<\/strong> is required for each. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udccb<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Related Fee Caps<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Subsistence (hotel), removal of debris, upgrading to standards, trees: each has a ceiling. Beyond that, it is at your expense. Trade higher limits when subscribing.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Proportional-rule-what-you-really-need-to-know\"><\/span>Proportional rule: what you really need to know<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The proportional rule (or <strong>co-insurance clause<\/strong>) is often presented as a time bomb for Quebec homeowners. The reality is more nuanced: <strong>it does not apply to most modern residential home insurance policies in Quebec<\/strong>. <\/p>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:24px;margin:24px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 12px;\">\u2705 Facts checked with the ChAD and the IBC<\/h3>\n  <ul style=\"color:#334155;font-size:14px;line-height:1.8;margin:0;padding-left:22px;\">\n    <li>The <a href=\"https:\/\/bac-quebec.qc.ca\/\" rel=\"noopener\">Insurance Bureau of Canada (IBC)<\/a> has <strong>removed the proportional rule clause<\/strong> from standard residential home insurance forms.<\/li>\n    <li>The <strong>&#8220;replacement cost of the building&#8221; guarantee<\/strong>, present in the majority of modern policies, <strong>deactivates<\/strong> the proportional rule as long as you are insured for the full cost of reconstruction.<\/li>\n    <li>It is still <strong>common in co-ownership<\/strong>, <strong>business insurance<\/strong>, <strong>multi-unit buildings<\/strong> and <strong>heritage buildings<\/strong>.<\/li>\n    <li>Even when the clause exists, <strong>most insurers do not apply it to claims of less than $5,000 to $10,000<\/strong>. This threshold varies depending on the insurer. <\/li>\n    <li>The general 100% rule set out in <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/lc\/CCQ-1991\" rel=\"noopener\">article 2493 of the Civil Code of Qu\u00e9bec<\/a> applies by default in the absence of an explicit contractual clause.<\/li>\n  <\/ul>\n<\/div>\n\n<p>In practice, in Quebec in 2026, a homeowner with a modern home insurance policy and replacement cost coverage of the building <strong>does not have to worry about<\/strong> the proportional rule \u2014 as long as his or her insurance amount reflects the current cost of rebuilding. The only risky situation is <strong>blatant underinsurance<\/strong> on an old building or a multi-unit property, where an annual readjustment is recommended. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Numerical-example-water-disaster-in-a-house-in-Quebec-City\"><\/span>Numerical example: water disaster in a house in Quebec City<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>To understand the impact of these mechanisms in concrete terms, here is a realistic case observed by <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\">Assur360 brokers<\/a>. A broken hot water pipe causes damage to the kitchen, the ground floor and part of the contents. <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#fff;\"><th style=\"padding:14px 16px;text-align:left;\">Step<\/th><th style=\"padding:14px 16px;text-align:right;\">Amount<\/th><\/tr><\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Building Damage (Floors, Walls, Cabinets)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#0d1f2d;font-weight:600;text-align:right;\">$45,000<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Damaged contents (furniture, appliances, clothing)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#0d1f2d;font-weight:600;text-align:right;\">$18,000<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">45-day family resort $<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#0d1f2d;font-weight:600;text-align:right;\">6,750<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>Total gross damage<\/strong><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#0d1f2d;font-weight:700;text-align:right;\">$69,750<\/td><\/tr>\n      <tr style=\"background:#fef2f2;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#991b1b;\">&#8211; Contained depreciation (average age 8 years, no replacement value)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#991b1b;font-weight:600;text-align:right;\">&#8211; $10,800<\/td><\/tr>\n      <tr style=\"background:#fef2f2;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#991b1b;\">&#8211; Exceeded sub-limit on jewellery claimed<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#991b1b;font-weight:600;text-align:right;\">&#8211; $2,000<\/td><\/tr>\n      <tr style=\"background:#fef2f2;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#991b1b;\">&#8211; Standard Deductible<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#991b1b;font-weight:600;text-align:right;\">&#8211; $1,000<\/td><\/tr>\n      <tr style=\"background:#f0fdfa;\"><td style=\"padding:14px 16px;color:#0d1f2d;font-weight:700;\">= Net Compensation Paid<\/td><td style=\"padding:14px 16px;color:#10c4c7;font-weight:800;text-align:right;font-size:16px;\">$55,950<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p>In this example, the insured <strong>loses nearly $14,000<\/strong> (20%) between depreciation, sub-limit and deductible. Most of these losses could have been avoided by adding <strong>the replacement cost endorsement<\/strong> (\u2248 $40\/year) and a <strong>precious jewelry endorsement<\/strong> (\u2248 $30\/year). <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-maximize-your-compensation-before-a-loss\"><\/span>How to maximize your compensation before a loss<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Add the replacement cost endorsement<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Cost: about $30 to $60 per year. It eliminates depreciation on content and, in several formats, also disables the proportional rule on the building. Huge return on investment at the first disaster.  <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Have the rebuild assessed from scratch<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The cost of rebuilding is not the market value. In Quebec City in 2026, count on $260 to $380 per square foot. An <strong>annual recalculation<\/strong> protects against material and labor inflation.  <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Subscribe to the 4 essential endorsements<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Sewer backup, ground water, earthquake and surface water damage. Less than $150\/year in total \u2014 mandatory in the vast majority of Quebec contexts. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Document your valuable assets<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Photos, invoices, appraisals for jewelry, art, collections. Add <strong>specific endorsements<\/strong> for items that exceed the standard sub-limits. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Choose the franchise strategically<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">A higher deductible ($2,500) reduces your premium by 10% to 20%. If you have savings, it&#8217;s profitable. Otherwise, keep $500 to $1,000 so you don&#8217;t get surprised.  <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">The broker&#8217;s advice<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Take 15 minutes once a year to review your contract with an Assur360 broker. Cost of the appointment: <strong style=\"color:#fff;\">$0<\/strong>. Average loss gain: <strong style=\"color:#fff;\">$15,000 to $40,000<\/strong>. Most Quebecers discover their coverage holes at the worst time \u2014 after the disaster.   <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQ-%E2%80%94-Home-Claims-Settlement-in-Quebec\"><\/span>FAQ \u2014 Home Claims Settlement in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Why does my insurer apply a depreciation?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Without the <strong>&#8220;replacement cost&#8221;<\/strong> endorsement, your policy compensates on the basis of the actual cash value. A 10-year-old sofa, even in perfect condition, is considered to have lost 60% to 80% of its purchase value. The replacement cost endorsement removes this deduction for the contents and, in some cases, for the newer components of the building.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does the proportional rule apply to my home insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Generally not<\/strong>, if you own a single-family home in Quebec with a modern policy. The <a href=\"https:\/\/bac-quebec.qc.ca\/\" rel=\"noopener\">Insurance Bureau of Canada<\/a> has removed this clause from the standard forms and the <strong>&#8220;replacement cost of the building&#8221; coverage<\/strong> deactivates it. It remains present in <strong>co-ownership (syndicate),<\/strong> <strong>rental buildings<\/strong>, <strong>heritage buildings<\/strong> and <strong>business insurance<\/strong>. Even in these cases, most insurers don&#8217;t apply it for claims under $5,000 to $10,000.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What are the most tricky sub-limits?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Jewellery ($4,000), cash ($500), bicycles ($1,500) and professional tools ($2,500). Many Quebecers unknowingly own property that far exceeds these limits. Review your contract and add a <strong>valuable items endorsement<\/strong> for items exceeding these thresholds.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How long does the insurer have to pay me?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">According <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/lc\/CCQ-1991\" rel=\"noopener\">to the Insurance Act<\/a> (sections 2470 et seq.), the insurer must pay the indemnity within <strong>60 days of receiving proof of complete loss<\/strong>. In practice, the majority of settlements occur within 30 to 90 days for simple claims, and 4 to 12 months for major claims with reconstruction. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I dispute the amount offered by the claims adjuster?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. You can appoint a <strong>public claims adjuster<\/strong> (paid by you) or submit your assessments to the insurer. In the event of persistent disagreement, the <strong>arbitration clause<\/strong> provided for in the contract allows for the appointment of an independent third-party arbitrator. The <a href=\"https:\/\/lautorite.qc.ca\/\" rel=\"noopener\">AMF<\/a> and <a href=\"https:\/\/chad.ca\/\" rel=\"noopener\">the ChAD<\/a> also offer a free mediation service for policyholders.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Are hotel costs during the works covered?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, under the <strong>&#8220;additional living expenses&#8221;<\/strong> coverage. This coverage covers the hotel, rent for temporary accommodation, additional meals and additional transportation, minus any expenses you would normally have incurred (for example, groceries at home). The limit is typically 20% of the amount of insurance contained or a maximum period of 12 to 24 months.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I have to pay the deductible in advance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. The deductible is <strong>deducted from the insurer&#8217;s final payment<\/strong> . If your damage is assessed at $25,000 and your deductible is $1,000, the insurer pays you $24,000. You don&#8217;t need to advance the amount unless you pay bills directly to contractors before the insurer takes over.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the special deductible?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">It is an increased deductible that applies to certain specific risks: sewer backup, ground water, earthquake. It replaces the standard deductible for these claims. Typical amounts range from $1,000 to $5,000 depending on the insurer, the geographic area and the value of the building.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can my claim be refused?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, in several situations: cause excluded by the policy (wear and tear, hidden defect, flood without endorsement), false declaration at the time of subscription or at the time of the claim, flagrant lack of maintenance, undeclared vacant dwelling, or non-payment of the premium. A refusal can be challenged with the insurer&#8217;s complaints department and then with the <a href=\"https:\/\/lautorite.qc.ca\/\" rel=\"noopener\">AMF<\/a>. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How can an Assur360 broker help me with the settlement?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">An <a href=\"https:\/\/lautorite.qc.ca\/\" rel=\"noopener\">AMF-certified<\/a> broker acts as <strong>your representative<\/strong> to the insurer. He analyzes the compensation offer, identifies forgotten coverages, negotiates unfavorable clauses and accompanies you until the final settlement. This service is <strong>free<\/strong> if you are already an Assur360 customer.  <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Pourquoi mon assureur applique-t-il une d\u00e9pr\u00e9ciation ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Sans l'avenant valeur \u00e0 neuf, votre contrat indemnise au principe de la valeur au jour du sinistre, selon l'\u00e2ge et l'usure des biens. L'avenant valeur \u00e0 neuf supprime cette d\u00e9duction.\"}},{\"@type\":\"Question\",\"name\":\"La r\u00e8gle proportionnelle s'applique-t-elle \u00e0 mon assurance habitation ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"G\u00e9n\u00e9ralement pas pour une r\u00e9sidence individuelle au Qu\u00e9bec avec une police moderne. Le BAC a retir\u00e9 cette clause des formulaires types et la garantie valeur \u00e0 neuf la d\u00e9sactive. Elle reste pr\u00e9sente en copropri\u00e9t\u00e9, immeubles locatifs, b\u00e2timents patrimoniaux et entreprise. M\u00eame dans ces cas, la plupart des assureurs ne l'appliquent pas pour les sinistres inf\u00e9rieurs \u00e0 5 000 $ \u00e0 10 000 $.\"}},{\"@type\":\"Question\",\"name\":\"Quelles sont les sous-limites les plus pi\u00e9geuses ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bijoux (4 000 $), argent comptant (500 $), v\u00e9los (1 500 $), outils professionnels (2 500 $). Un avenant articles pr\u00e9cieux est recommand\u00e9 au-del\u00e0.\"}},{\"@type\":\"Question\",\"name\":\"Combien de temps l'assureur a-t-il pour me payer ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'indemnit\u00e9 doit \u00eatre vers\u00e9e dans les 60 jours suivant la r\u00e9ception de la preuve de perte compl\u00e8te. En pratique, 30 \u00e0 90 jours pour un sinistre simple, 4 \u00e0 12 mois pour un sinistre majeur.\"}},{\"@type\":\"Question\",\"name\":\"Puis-je contester le montant offert par l'expert en sinistre ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, via un expert en sinistre public, la clause arbitrale du contrat, ou les services de m\u00e9diation gratuits de l'AMF et de la ChAD.\"}},{\"@type\":\"Question\",\"name\":\"Les frais d'h\u00f4tel pendant les travaux sont-ils couverts ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, sous la protection frais de subsistance suppl\u00e9mentaires. Limite typique de 20 % du contenu assur\u00e9, ou 12 \u00e0 24 mois.\"}},{\"@type\":\"Question\",\"name\":\"Dois-je payer la franchise \u00e0 l'avance ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non, la franchise est d\u00e9duite du paiement final de l'assureur, pas avanc\u00e9e par l'assur\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"Qu'est-ce que la franchise sp\u00e9ciale ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Franchise major\u00e9e pour certains risques (refoulement d'\u00e9gout, eau au sol, s\u00e9isme), typiquement 1 000 $ \u00e0 5 000 $.\"}},{\"@type\":\"Question\",\"name\":\"Mon sinistre peut-il \u00eatre refus\u00e9 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, pour cause exclue, fausse d\u00e9claration, d\u00e9faut d'entretien, logement vacant non d\u00e9clar\u00e9 ou non-paiement de la prime. Un refus peut \u00eatre contest\u00e9 aupr\u00e8s de l'AMF.\"}},{\"@type\":\"Question\",\"name\":\"Comment un courtier Assur360 peut-il m'aider dans le r\u00e8glement ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un courtier certifi\u00e9 AMF repr\u00e9sente l'assur\u00e9 face \u00e0 l'assureur, analyse l'offre, identifie les trous de couverture et n\u00e9gocie. Service gratuit pour les clients Assur360.\"}}]}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong> in QC<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">30+ insurers compared<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Phone: <strong>1-866-357-4451<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Other-Assur360-simulators\"><\/span>Other Assur360 simulators<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/landlord-or-tenant-calculator-2026-should-i-buy-or-rent\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83c\udfe0 Owner or tenant?<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Compare the real cost of buying vs. leasing over 30 years.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/business-interruption-calculator\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udcca Business interruption<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Estimate the coverage needed in the event of a business interruption.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/mortgage-calculators-2\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udcb0 Mortgage<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Borrowing capacity, payments, amortization, CMHC.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/free-insurance-quiz-2026-what-insurance-do-you-need-in-quebec-assur360\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83c\udfaf Quiz \u2014 What insurance?<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">8 questions, your personalized insurance plan.<\/p>\n  <\/a>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE HOME QUOTE<\/p>\n  <h3 style=\"color:#fff;font-size:28px;margin:0 0 16px;\">Protect yourself from unpleasant surprises<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">3 minutes to compare 30+ insurers. Our AMF brokers check your endorsements, sub-limits and replacement cost. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">My Home<\/a>\n Quote<a href=\"tel:+18663574451\" style=\"background:transparent;color:#fff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #fff;\">1-866-357-4451<\/a>  \n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Simulateurs\",\"item\":\"https:\/\/www.assur360.ca\/simulation\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Combien je re\u00e7ois apr\u00e8s un sinistre habitation\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>After water damage, fire or theft, the amount your insurer pays you is almost never equal to the cost of the damage. [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":59155,"parent":58627,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"How much do I receive after a home claim? QC Simulator 2026 ","_seopress_titles_desc":"Free tool to estimate the net indemnity after a home loss: deductible, depreciation, sub-limits, co-insurance. Quebec 2026. 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