FAQs
More FAQs- What items do I keep in my possession?
- What is that smell?
- What is a code or by-law upgrade?
The following items should be kept in your possession: Medications, Cash, Pets, Valuable Jewelry, Stamp/Coin Collections, Checkbooks, Personal Documents, Valuable Artworks, Flammables, Gasoline Cans, Weapons/Ammunition.
Usually, if it smells like mould, it is mould. Mould or mildew odours are due to the presence of fungi in the air, inside pipes or walls, or hidden in other parts of your commercial property. Mould is thicker than mildew, so if the smell is particularly strong, that’s a clue that it’s mould and you need to act fast to prevent further growth.
A code or by-law upgrade is an upgrade that is made when your commercial property’s pre-loss condition no longer meets legal building codes. Your insurance company may recognize code upgrades in the estimation process. Any questions regarding code upgrades should be directed to your Insurance Adjuster.