secondary suites are a controversial topic in Calgary for a while now. In the city, there are thousands of legal and illegal suites in detached
common requirements for secondary suites :.
- minimum ceiling height of 1.95m
- Every room in the secondary suite must have at least one emergency exit window in case of fire
- must provide separation between smoke a secondary suite and main living unit.
- fire alarms must be interconnected secondary suite and main living unit
- fired furnaces and gas water heater must be locked in a room with half-inch drywall
- secondary suites must be served by a heating system and independent ventilation
another requirement add us to the list :.
- Let your insurer of your secondary result
Whether your secondary suite is legal or illegal, it is important to your insurer. There is a common misconception that a policy will cover a suite but it does not. If an owner fails to leave the insurer after they open to significant risks and the possibility that in the event of a claim, the insurance company may deny coverage and cancel the policy of existing insurance.
For example: family did not tell their insurance company that they have occupied a secondary suite. Tenants of the following secondary accidentally cause a fire that destroyed the entire house
In this situation, the insurance company can deny coverage completely
eg .. Family B said their insurance company that their house has a busy secondary suite. Tenants of the following secondary accidentally causing a fire that destroyed the house.
In this situation, historically, the insurance company will follow with a blanket. This is not the concern of the insurance company if the suite was legal or illegal, they should be aware of its existence.
It is also advisable that owners have an insurance clause in a contract with the tenants. This means that the tenant must have adequate insurance if they are renting a secondary suite. An owner must make his / her due diligence to ensure that renters insurance is updated. Another way to protect your home and secondary suite by purchasing full rental insurance that can cover vandalism and damage caused by tenants.
For more information, ask one of our insurance experts.
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