{"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":"2026-06-26T00:11:06","modified_gmt":"2026-06-26T04:11:06","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\":\"WebApplication\",\"name\":\"Home Insurance Claim Settlement Simulator\",\"url\":\"https:\/\/www.assur360.ca\/simulation\/combien-je-recois-apres-sinistre-habitation\/\",\"applicationCategory\":\"FinanceApplication\",\"operatingSystem\":\"Any\",\"offers\":{\"@type\":\"Offer\",\"price\":\"0\",\"priceCurrency\":\"CAD\"},\"description\":\"Free tool to estimate the net amount of compensation received after a home insurance claim in Quebec: deductible, depreciation, sub-limits, additional fees, and exclusions.\"}\n<\/script>\n\n<p class=\"wp-block-paragraph\" 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 specialist, 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 claims specialist 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&#8220;`html\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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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-How-much-will-I-really-receive-after-a-claim\"><\/span>\ud83c\udfe0 How much will I really receive after a claim?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Net indemnity simulator for home insurance \u2014 Quebec 2026<\/p>\n<\/div>\n<div class=\"simcalc-body\">\n\n  <div class=\"simcalc-section\">\n    <h3><span class=\"simcalc-num\">1<\/span>Type and extent of the claim\n      <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Indicate the damages <strong>estimated by a contractor<\/strong> or by your claims specialist. Avoid underestimating: a firm quote is always worth more than a quick approximation.<\/span><\/button>\n    <\/h3>\n    <div class=\"simcalc-grid\">\n      <div class=\"simcalc-field\">\n        <label for=\"simType\">Type of claim\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">The type of claim determines <strong>which deductible applies<\/strong> (standard vs special) and <strong>whether exclusions<\/strong> may be triggered. Water damage and theft are the most common home claims in Quebec.<\/span><\/button>\n        <\/label>\n        <select id=\"simType\">\n          <option value=\"\">Select a type<\/option>\n          <option value=\"water_damage\">Water Damage<\/option>\n          <option value=\"theft\">Theft<\/option>\n          <option value=\"fire\">Fire<\/option>\n          <option value=\"other\">Other<\/option>\n        <\/select>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n&#8220;&#8220;&#8220;html\nan><\/button>\n        <\/label>\n        <select id=\"simType\">\n          <option value=\"eau\">Water damage (plumbing, roofing)<\/option>\n          <option value=\"refoulement\">Sewage backup<\/option>\n          <option value=\"feu\">Fire \/ smoke<\/option>\n          <option value=\"vol\">Theft \/ vandalism<\/option>\n          <option value=\"vent\">Wind, hail, lightning<\/option>\n          <option value=\"autre\">Other covered loss<\/option>\n        <\/select>\n      <\/div>\n      <div class=\"simcalc-field\">\n        <label for=\"simBien\">Affected property\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">The <strong>building<\/strong> = the structure (walls, floors, roof, built-in cabinets). The <strong>content<\/strong> = everything that would be transported in case of a move (furniture, clothing, electronics). Each has its own limits and deductibles.<\/span><\/button>\n        <\/label>\n        <select id=\"simBien\">\n          <option value=\"batiment\">Building only (structure)<\/option>\n          <option value=\"contenu\">Content only (furniture, belongings)<\/option>\n          <option value=\"mixte\" selected=\"selected\">Both (building + content)<\/option>\n        <\/select>\n      <\/div>\n      <div class=\"simcalc-field\">\n        <label for=\"simDommageBat\">Damage to building ($)\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Estimated total cost to <strong>restore the structure to its original state<\/strong>: demolition, labor, materials. Use a contractor&#8217;s quote rather than a mental estimate.<\/span><\/button>\n        <\/label>\n        <input type=\"number\" id=\"simDommageBat\" min=\"0\" step=\"100\" value=\"50000\"\/>\n      <\/div>\n      <div class=\"simcalc-field\">\n        <label for=\"simDommageCont\">Damage to content ($)\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Cost to <strong>replace new<\/strong> damaged personal property. Add up the values in stores today, not what you paid 5 years ago.<\/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>Deductible\n      <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">The deductible is the amount that <strong>you assume yourself<\/strong> before the insurer intervenes. It is deducted from the final payment, you do not have to advance it. The higher it is, the lower your annual premium.<\/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\">$5,000<\/div>\n      <div class=\"simcalc-radio\" data-val=\"custom\">Other<\/div>\n    <\/div>\n    <div class=\"simcalc-field\" id=\"simFranchiseCustomWrap\" style=\"margin-top:10px;display:none;\">\n      <label for=\"simFranchiseCustom\">Custom deductible ($)<\/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>Special deductible (sewage backup, earthquake, ground water) \u2014 typically $1,000 to $5,000 more.\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">The <strong>special deductible<\/strong> replaces the standard deductible for certain targeted risks. In high-risk areas (flood-prone basements, Laurentians, Mont\u00e9r\u00e9gie), it can reach $5,000. It is distinct from the standard deductible \u2014 not 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>Replacement value or depreciated value?\n      <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">The endorsement <strong>\u201creplacement value\u201d<\/strong> (also called \u201ccost of replacement\u201d) is almost standard in Quebec, but not automatic. Without this endorsement, the insurer applies depreciation based on age and wear \u2014 which can lead to a loss of 50% to 80% on items over 10 years old.<\/span><\/button>\n    <\/h3>\n    <div class=\"simcalc-radio-group\" id=\"simVanGroup\">\n      <div class=\"simcalc-radio active\" data-val=\"oui\">\u2713 Replacement value (replacement)<\/div>\n      <div class=\"simcalc-radio\" data-val=\"non\">Depreciated value<\/div>\n    <\/div>\n    <p style=\"font-size:13px;color:#64748b;margin:10px 0 0;\">The <strong>replacement value<\/strong> is the standard endorsement in Quebec for content. Without this endorsement, the insurer applies depreciation based on age and wear.<\/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\">Average age of content (years)\n            <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Think of the <strong>weighted average<\/strong>: a new couch (1 year) and a 10-year-old TV give an average of ~5-6 years. Depreciation of content is typically 5% to 10% per year depending on the category.<\/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\">Age of building components (years)\n            <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">For a roof, siding, or flooring. Depreciation is slower on the building: about <strong>2% to 4% per year<\/strong>, capped at 60%. An asphalt shingle roof that is 20 years old will typically be depreciated to 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>Property with sub-limits\n      <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">The <strong>sub-limits<\/strong> are specific caps listed in your policy for certain categories of at-risk property (theft, loss). Even if your total content is insured for $100,000, your jewelry may be capped at ~ $4,000 for example. The amounts indicated are <strong>market averages<\/strong> \u2014 check your contract for exact limits.<\/span><\/button>\n    <\/h3>\n    <p style=\"font-size:13px;color:#64748b;margin:0 0 14px;\">Indicate the <strong>claimed value<\/strong> by category. Each policy imposes a maximum limit for these items (indicative values \u2014 check your contract).<\/p>\n    <div class=\"simcalc-sublimit\">\n      <div class=\"simcalc-sublimit-name\">Jewelry, watches, gemstones\n        <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Typical limit <strong>$4,000 total<\/strong> (not per item). Also includes watches and gemstones. For rings, necklaces, or watches exceeding this threshold, a <strong>\u201cprecious items\u201d endorsement<\/strong> with individual appraisal is required.<\/span><\/button>\n        <small>Typical limit: $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\">Limit $4,000<\/div>\n    <\/div>\n    <div class=\"simcalc-sublimit\">\n      <div class=\"simcalc-sublimit-name\">Cash co\n&#8220;&#8220;&#8220;html\nmptant\n        <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Typical limit <strong>$500<\/strong>, sometimes $1,000. Includes tickets, coins, bullion. Cryptocurrencies and digital assets are generally <strong>excluded<\/strong>.<\/span><\/button>\n        <small>Typical limit: $500<\/small>\n      <\/div>\n      <input type=\"number\" id=\"simSublCash\" min=\"0\" step=\"50\" value=\"0\" placeholder=\"0 $\"\/>\n      <div class=\"simcalc-sublimit-limit\">Limit $500<\/div>\n    <\/div>\n    <div class=\"simcalc-sublimit\">\n      <div class=\"simcalc-sublimit-name\">Bicycles, sports equipment\n        <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Typical limit <strong>$1,500 per bicycle<\/strong> (not per collection). An electric bike worth $4,000 would leave you with $2,500 at your expense without an endorsement. Bicycles kept outside without a lock are often excluded.<\/span><\/button>\n        <small>Typical limit: $1,500 \/ bicycle<\/small>\n      <\/div>\n      <input type=\"number\" id=\"simSublVelo\" min=\"0\" step=\"100\" value=\"0\" placeholder=\"0 $\"\/>\n      <div class=\"simcalc-sublimit-limit\">Limit $1,500<\/div>\n    <\/div>\n    <div class=\"simcalc-sublimit\">\n      <div class=\"simcalc-sublimit-name\">Artworks, antiques, collectibles\n        <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Typical limit <strong>$5,000 total<\/strong>. Includes paintings, sculptures, ceramics, rare books, stamps, sports collections. Beyond that, an endorsement with written appraisal is required.<\/span><\/button>\n        <small>Typical limit: $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\">Limit $5,000<\/div>\n    <\/div>\n    <div class=\"simcalc-sublimit\">\n      <div class=\"simcalc-sublimit-name\">Tools \/ professional equipment\n        <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Typical limit <strong>$2,500<\/strong>. Covers tools used in the course of employment or self-employment. For a carpenter, plumber, or photographer with more than that, a <strong>commercial insurance policy<\/strong> is generally required.<\/span><\/button>\n        <small>Typical limit: $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\">Limit $2,500<\/div>\n    <\/div>\n    <div class=\"simcalc-sublimit\">\n      <div class=\"simcalc-sublimit-name\">Titles, documents, gift cards\n        <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Typical limit <strong>$2,000<\/strong>. Includes transport tickets, passports, gift cards, event tickets, notarized documents. Keep digital copies elsewhere.<\/span><\/button>\n        <small>Typical limit: $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\">Limit $2,000<\/div>\n    <\/div>\n    <div class=\"simcalc-sublimit\">\n      <div class=\"simcalc-sublimit-name\">Wines, spirits, cigars\n        <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Typical limit <strong>$2,500<\/strong>. Wine cellars and significant collections require an endorsement. Damage from power outages causing thawing is not always covered.<\/span><\/button>\n        <small>Typical limit: $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\">Limit $2,500<\/div>\n    <\/div>\n    <p style=\"font-size:12px;color:#64748b;margin:12px 0 0;font-style:italic;\">Amounts claimed in these categories <strong>are already accounted for in the content damage above<\/strong>; the tool treats them separately to apply the correct limit.<\/p>\n  <\/div>\n\n  <div class=\"simcalc-section\">\n    <h3><span class=\"simcalc-num\">5<\/span>Additional expenses\n      <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">The <strong>additional expenses<\/strong> are extra coverages that add to the main compensation. Each has its own limit and often its own application period.<\/span><\/button>\n    <\/h3>\n    <div class=\"simcalc-grid-3\">\n      <div class=\"simcalc-field\">\n        <label for=\"simFraisHeber\">Temporary accommodation ($)\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Hotel or rent of a substitute accommodation during repairs. Covered under the <strong>\u201cadditional living expenses\u201d<\/strong> coverage, typically capped at 20% of the contents insurance amount, for a maximum period of 12 to 24 months.<\/span><\/button>\n        <\/label>\n        <span class=\"hint\">Hotel \/ substitute rent during repairs<\/span>\n        <input type=\"number\" id=\"simFraisHeber\" min=\"0\" step=\"100\" value=\"0\" placeholder=\"0 $\"\/>\n      <\/div>\n      <div class=\"simcalc-field\">\n        <label for=\"simFraisRepas\">Meal and transportation expenses ($)\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Only the <strong>extra cost<\/strong> compared to your normal expenses is covered. If you spend $500\/month on groceries at home and $1,200 at restaurants in the hotel, you can claim $700 \u2014 not $1,200.<\/span><\/button>\n        <\/label>\n        <span class=\"hint\">Extra cost compared to your normal expenses<\/span>\n        <input type=\"number\" id=\"simFraisRepas\" min=\"0\" step=\"50\" value=\"0\" placeholder=\"0 $\"\/>\n      <\/div>\n      <div class=\"simcalc-field\">\n        <label for=\"simFraisDebris\">Debris removal ($)\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Demolition, cleaning, and transport of damaged materials. Typically covered at <strong>5% of the building insurance amount<\/strong>, often included in the main coverage without a separate cap.<\/span><\/button>\n        <\/label>\n        <span class=\"hint\">Generally covered at 5% of building coverage<\/span>\n        <input type=\"number\" id=\"simFraisDebris\" min=\"0\" step=\"100\" value=\"0\" placeholder=\"0 $\"\/>\n      <\/div>\n      <div class=\"simcalc-field\">\n        <label for=\"simFraisCode\">Upgrading (building code) ($)\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">When the 2026 Building Code requires more expensive materials or methods than during the original construction. Typical cap <strong>$10,000 without endorsement<\/strong>, $50,000 with \u201cbuilding code guarantee\u201d endorsement.<\/span><\/button>\n        <\/label>\n        <span class=\"hint\">Work required by 2026 regulations<\/span>\n        <input type=\"number\" id=\"simFraisCode\" min=\"0\" step=\"100\" value=\"0\" placeholder=\"0 $\"\/>\n      <\/div>\n      <div class=\"simcalc-field\">\n        <label for=\"simFraisArbres\">Trees, hedges, landscaping ($)\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Typical limit <strong>$500 per tree \/ shrub<\/strong>, with a total cap of 5% of the building insurance amount. Covers damage from wind, hail, fire, vandalism \u2014 <strong>not<\/strong> diseases or wear.<\/span><\/button>\n        <\/label>\n        <span class=\"hint\">Typical limit: $500 per tree, 5% of building coverage<\/span>\n        <input type=\"number\" id=\"simFraisArbres\" min=\"0\" step=\"100\" value=\"0\" placeholder=\"0 $\"\/>\n      <\/div>\n      <div class=\"simcalc-field\">\n        <label for=\"simFraisAutre\">Other covered expenses ($)\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">&#8230;<\/span><\/button>\n        <\/label>\n&#8220;&#8220;&#8220;html\n aria-label=&#8221;Info&#8221;>?<span class=\"simcalc-tip-content\">Locksmith after theft, temporary protection (tarping), storage fees, notary for proof of death in case of fatal loss. Each policy varies.<\/span><\/button>\n        <\/label>\n        <span class=\"hint\">Locksmith, temporary protection, 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>Proportional rule (advanced)\n      <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\"><strong>Rare in residential insurance in Quebec.<\/strong> The <strong>Insurance Bureau of Canada<\/strong> has removed this clause from standard forms for individuals. The &#8220;replacement cost of the building&#8221; guarantee, standard in modern contracts, eliminates it as long as you are insured for the full reconstruction cost. It remains <strong>common in condominiums (syndicate) and business insurance<\/strong>.<\/span><\/button>\n    <\/h3>\n    <div class=\"simcalc-note-info\">\n      <strong>\u2139 Good to know:<\/strong> In <strong>modern Quebec residential insurance<\/strong>, the proportional rule is <strong>generally NOT applied<\/strong> \u2014 the forms from the IBC have removed it and the replacement cost guarantee disables it. Furthermore, most insurers <strong>do not apply the clause for claims under $5,000 to $10,000<\/strong>, even when it is included in the contract. Only check the box below if your contract explicitly contains a co-insurance clause or if you are in a condominium\/business.\n    <\/div>\n    <div class=\"simcalc-toggle\" style=\"margin-top:12px;\">\n      <input type=\"checkbox\" id=\"simCoassOn\"\/>\n      <span>My contract explicitly contains a <strong>proportional rule clause (co-insurance)<\/strong> \u2014 typically condominium, multi-unit rental housing, heritage building.<\/span>\n    <\/div>\n    <div id=\"simCoassFields\" style=\"margin-top:14px;display:none;\">\n      <div class=\"simcalc-grid\">\n        <div class=\"simcalc-field\">\n          <label for=\"simValeurReconstruction\">Replacement cost of the building ($)\n            <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Cost to <strong>rebuild new in 2026<\/strong>, not the market value. Expect $260 to $380 per square foot in Quebec depending on the region and quality of finishes. This value excludes the land.<\/span><\/button>\n          <\/label>\n          <span class=\"hint\">Cost to rebuild new in 2026 (not the market value)<\/span>\n          <input type=\"number\" id=\"simValeurReconstruction\" min=\"0\" step=\"10000\" value=\"400000\"\/>\n        <\/div>\n        <div class=\"simcalc-field\">\n          <label for=\"simMontantAssure\">Insured amount of the building ($)\n            <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">The &#8220;insured amount of the building&#8221; or &#8220;coverage A&#8221; listed in your contract. Do not confuse with contents (coverage B) or liability (coverage E).<\/span><\/button>\n          <\/label>\n          <span class=\"hint\">The &#8220;C building&#8221; listed in your policy<\/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>Do not apply the proportional rule if <strong>total damage < $5,000<\/strong> (common practice among insurers).\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Most insurers, even when a clause exists, <strong>waive its application for small claims<\/strong> \u2014 the threshold varies from $2,500 to $10,000 depending on the insurer. Uncheck this box only if your contract does not provide for this threshold.<\/span><\/button>\n        <\/span>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"simcalc-section\">\n    <h3><span class=\"simcalc-num\">7<\/span>Possible exclusions or limitations\n      <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">The <strong>exclusions<\/strong> are situations where coverage is reduced or null. Many can be canceled by adding the <strong>corresponding endorsement<\/strong> to your policy (often $30 to $150\/year per endorsement).<\/span><\/button>\n    <\/h3>\n    <p style=\"font-size:13px;color:#64748b;margin:0 0 14px;\">Check the situations that apply \u2014 they may cancel or reduce coverage if the endorsement is not purchased.<\/p>\n    <div class=\"simcalc-grid\">\n      <div class=\"simcalc-toggle\">\n        <input type=\"checkbox\" id=\"simExclRefoul\"\/>\n        <span>Sewer backup <strong>without endorsement<\/strong>\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Sewer backup (water coming up through basement drains) is <strong>excluded by default<\/strong>. The &#8220;backup&#8221; endorsement costs $60 to $150\/year and usually includes a special deductible.<\/span><\/button>\n        <\/span>\n      <\/div>\n      <div class=\"simcalc-toggle\">\n        <input type=\"checkbox\" id=\"simExclSol\"\/>\n        <span>Groundwater or basement infiltration without endorsement\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Water coming from the ground (water table, torrential rains, runoff). The &#8220;groundwater&#8221; endorsement is mandatory in high-risk areas (Laval, Mont\u00e9r\u00e9gie, Laurentians, riverbanks).<\/span><\/button>\n        <\/span>\n      <\/div>\n      <div class=\"simcalc-toggle\">\n        <input type=\"checkbox\" id=\"simExclSeisme\"\/>\n        <span>Earthquake without endorsement\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Moderate seismic zone in Charlevoix and the Quebec region. The endorsement costs $30 to $80\/year but applies a <strong>very high deductible<\/strong> (often 3% to 10% of the C building).<\/span><\/button>\n        <\/span>\n      <\/div>\n      <div class=\"simcalc-toggle\">\n        <input type=\"checkbox\" id=\"simExclInond\"\/>\n        <span>Flooding from overflow of a watercourse\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Overflow from river, stream, lake. Coverage has often been offered since 2016 under the <strong>&#8220;surface water&#8221;<\/strong> endorsement, but with mapping of risk areas: some residences in the highest areas are <strong>uninsurable<\/strong>.<\/span><\/button>\n        <\/span>\n      <\/div>\n      <div class=\"simcalc-toggle\">\n        <input type=\"checkbox\" id=\"simExclVacance\"\/>\n        <span>Vacant housing > 30 days before the loss\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\">Most policies reduce or <strong>completely exclude coverage<\/strong> after 30 days of vacancy without written notice. A 90-day trip to Florida without declaration may cancel your protection in case of loss.<\/span><\/button>\n        <\/span>\n      <\/div>\n      <div class=\"simcalc-toggle\">\n        <input type=\"checkbox\" id=\"simExclUsure\"\/>\n        <span>Wear and tear, hidden defect or lack of maintenance\n          <button type=\"button\" class=\"simcalc-tip\" aria-label=\"Info\">?<span class=\"simcalc-tip-content\"><strong>Always excluded<\/strong>, in all insurance policies. Insurance covers <strong>sudden and accidental<\/strong> events, not gradual wear (slow leak at the joint for 6 months, roof too old, chronic mold).<\/span><\/button>\n        <\/span>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <button class=\"simcalc-cta-btn\" i\n``````html\nd=\"simcalcGo\">Calculate my estimated compensation \u2192<\/button>\n\n  <div class=\"simcalc-result\" id=\"simcalcResult\">\n    <h3>Your estimated net compensation<\/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 Estimate for informational purposes only.<\/strong> These figures are calculated based on averages from the Quebec market and do not take into account the specifics of your policy, your claims history, or the assessment of the claims specialist. <strong>Assur360 disclaims any responsibility<\/strong> for decisions made based on this simulation. Always consult your contract and your insurance broker for the exact amount.\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 = 'yes';\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==='no') ? '' : '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==='building') dommageCont = 0;\n    if(typeBien==='content') 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==='backflow') ? exclRefoul : false){ sinistreRefuse = true; warns.push('<strong>Potentially denied claim: sewer backflow without endorsement \u2014 coverage null in most contracts.'); }\n    if(exclSol){ warns.push('<\/strong><strong>Ground water without endorsement: damages related to infiltration through the ground are generally excluded.'); }\n    if(exclSeisme){ warns.push('<\/strong><strong>Earthquake: excluded by default, endorsement required (high deductible).'); }\n    if(exclInond){ warns.push('<\/strong><strong>Overflow flooding: often not covered; check the \"surface water\" endorsement.'); }\n    if(exclVacance){ warns.push('<\/strong><strong>Vacant dwelling: most policies reduce or exclude coverage after 30 days of vacancy without written notice.'); }\n    if(exclUsure){ warns.push('<\/strong><strong>Wear and tear or hidden defect: always excluded \u2014 only accidental and sudden damages are covered.'); }\n\n    \/\/ Sub-limits\n    var subl = [\n      {id:'simSublBijoux', nom:'Jewelry\/watches', lim:4000},\n      {id:'simSublCash', nom:'Cash', lim:500},\n      {id:'simSublVelo', nom:'Bicycles', lim:1500},\n      {id:'simSublArt', nom:'Artworks', lim:5000},\n      {id:'simSublOutils', nom:'Professional tools', lim:2500},\n      {id:'simSublTitres', nom:'Titles\/documents', lim:2000},\n      {id:'simSublVins', nom:'Wines\/spirituous', 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+' : you are claiming '+fmt(rec)+' but the typical limit is '+fmt(s.lim)+'. Loss of '+fmt(rec - s.lim)+'.');\n      }\n    });\n\n    \/\/ Depreciation\n    var deprecBat = 0, deprecCont = 0;\n    if(van === 'no'){\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>Depreciation applied: without \"replacement cost\" endorsement, the insurer deducts '+Math.round(tauxBat*100)+' % on the building and '+Math.round(tauxCont*100)+' % on the content based on age.');\n    }\n\n    \/\/ Proportional rule \u2014 ONLY IF the box is checked\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      \/\/ Common practice: not applied for < $5,000\n      if(coassPetit ? (brut < 5000) : false){\n        warns.push('<\/strong><strong>Proportional rule ignored: claim less than $5,000 \u2014 most insurers do not apply it in this case.');\n      } else if((valRec > 0) ? (montAss > 0) : false){\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>Underinsured: your insurance amount ('+fmt(montAss)+') is less than 80 % of the reconstruction value ('+fmt(valRec * 0.80)+' required). Co-insurance penalty: '+fmt(penaliteCoass)+'.');\n        }\n      }\n    } else {\n      \/\/ Contextual info\n      warns.push('<\/strong><strong>Note: In modern Quebec residential property insurance, the proportional rule is generally not applied \u2014 thank you for correctly identifying it.');\n    }\n\n    \/\/ Additional expenses\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>Living expenses: estimated ceiling at '+fmt(plafondSubsistance)+'. Excess not\n``````html\n 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>Standards compliance: typical limit $10,000 without endorsement \"building code\". Excess: '+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>Trees\/landscaping: estimated limit '+fmt(plafondArbres)+'. Excess: '+fmt(fArbres - plafondArbres)+'.');\n    }\n\n    var fraisCouverts = subsistanceAjustee + fDebris + codeAjuste + arbresAjuste + fAutre;\n\n    \/\/ Deductible\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>Special deductible: +$2,500 typical for sewer backup or groundwater.');\n    }\n\n    \/\/ Final calculation\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 ? 'Claim likely denied according to checked exclusions.' : ('\u2248 ' + pct.toFixed(0) + '% of the total amount claimed ('+fmt(totalReclame)+')');\n\n    var bd = '';\n    bd += '<div class=\"simcalc-breakdown-row\"><span>Declared gross damage<span>'+fmt(totalReclame)+'<\/span><\/span><\/div><\/strong><\/script>\n&#8220;`\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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 verified with the Chamber of Insurance 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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">To understand the impact of these mechanisms concretely, here is a realistic case observed by the <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\">Assur360 insurance brokers<\/a>. A hot water pipe break 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 class=\"wp-block-paragraph\">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 deductible 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 specialist?<\/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 specialist<\/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 the <a href=\"https:\/\/chad.ca\/\" rel=\"noopener\">Chamber of Insurance<\/a> also offer a free mediation service for insureds.  <\/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\":\"Why does my insurer apply depreciation?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Without the replacement cost endorsement, your contract indemnifies based on the value at the time of the loss, according to the age and wear of the property. The replacement cost endorsement removes this deduction.\"}},{\"@type\":\"Question\",\"name\":\"Does the proportional rule apply to my home insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Generally not for a single-family residence in Quebec with a modern policy. The BAC has removed this clause from standard forms, and the replacement cost guarantee disables it. It remains in place for condominiums, rental buildings, heritage buildings, and businesses. Even in these cases, most insurers do not apply it for claims under $5,000 to $10,000.\"}},{\"@type\":\"Question\",\"name\":\"What are the most troublesome sub-limits?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Jewelry ($4,000), cash ($500), bicycles ($1,500), professional tools ($2,500). A valuable items endorsement is recommended beyond that.\"}},{\"@type\":\"Question\",\"name\":\"How long does the insurer have to pay me?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The indemnity must be paid within 60 days of receiving the complete proof of loss. In practice, 30 to 90 days for a simple claim, 4 to 12 months for a major claim.\"}},{\"@type\":\"Question\",\"name\":\"Can I contest the amount offered by the claims specialist?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, through a public claims specialist, the arbitration clause of the contract, or the free mediation services of the AMF and the Chamber of Insurance.\"}},{\"@type\":\"Question\",\"name\":\"Are hotel expenses during repairs covered?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, under the additional living expenses protection. Typical limit of 20% of the insured contents, or 12 to 24 months.\"}},{\"@type\":\"Question\",\"name\":\"Do I have to pay the deductible upfront?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, the deductible is deducted from the final payment of the insurer, not advanced by the insured.\"}},{\"@type\":\"Question\",\"name\":\"What is the special deductible?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Increased deductible for certain risks (sewer backup, water on the ground, earthquake), typically $1,000 to $5,000.\"}},{\"@type\":\"Question\",\"name\":\"Can my claim be denied?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, for excluded causes, misrepresentation, lack of maintenance, unreported vacant housing, or non-payment of the premium. A denial can be contested with the AMF.\"}},{\"@type\":\"Question\",\"name\":\"How can an Assur360 broker help me with the settlement?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"An AMF certified broker represents the insured against the insurer, analyzes the offer, identifies coverage gaps, and negotiates. Free service for Assur360 clients.\"}}]}\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>Member of the Insurance Chamber<\/strong><\/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\/simulation\/calculateur-proprietaire-ou-locataire\/\" 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 renting over 30 years.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/simulation\/calculateur-pertes-exploitation\/\" 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 case of business interruption.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/simulation\/calculateurs-pret-hypothecaires\/\" 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\/simulation\/quiz-assurance\/\" 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 insurances?<\/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. The brokers from our AMF partner firms check your endorsements, sub-limits, and replacement cost.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\" 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 quote<\/a>\n  <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\":\"Home\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Simulators\",\"item\":\"https:\/\/www.assur360.ca\/simulation\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"How much will I receive after a home claim?\"}]}\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_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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