Housing Insurance AFN NATIONAL FIRST NATIONS INFASTRUCTURE CONFERENCE

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Presentation transcript:

Housing Insurance AFN NATIONAL FIRST NATIONS INFASTRUCTURE CONFERENCE & TRADESHOW FEBRUARY 2014 Alliance of First Nation Insurance Brokers Inc.

3) Factors that affect rates and premiums….What can I do? OVERVIEW 1) Main types of housing insurance policies….What is the right policy and coverage that I need? 2) Insurance to value & building appraisals…Do I know how much insurance to buy? 3) Factors that affect rates and premiums….What can I do? 4) Selecting the right insurance carrier/broker…How can I be sure my broker/carrier is the right choice for me and my family or community? The claims process…what I should know that can help me. Quickly recover from my loss Questions Alliance of First Nation Insurance Brokers Inc.

Types of Housing Insurance Policies Community owned social housing units managed by band managers Owner occupied housing units Tenant or occupant policies Alliance of First Nation Insurance Brokers Inc.

Insurance to value & building appraisals Replacement cost versus actual cash value How to determine the proper insurance to place on a home. What is a coinsurance clause and how it may affect my claim

Factors that affect my rates and premiums Claims Experience (simple business premiums – (claims + expenses) + investments = profits) Building construction + exposures Public protection Deductibles What I can do to reduce my insurance costs or help to insure they do not increase Alliance of First Nation Insurance Brokers Inc.

Selecting the right insurance carrier or broker for me or my community Ask Questions Get referrals from others Call AFN insurance brokers Alliance of First Nation Insurance Brokers Inc.

Who do I report a claim to ? What immediate assistance can I expect? The Claims Process Who do I report a claim to ? What immediate assistance can I expect? What “I” need to provide? How quickly will my claim be settled? Alliance of First Nation Insurance Brokers Inc.

AFN Insurance Brokers Inc QUESTIONS Thank You Gil Saunders President AFN Insurance Brokers Inc saunders@afnib.com 613-274-0518 Alliance of First Nation Insurance Brokers Inc.