EQUIPMENT BREAKDOWN FOR GUARANTEE GOLD HOMEOWNERS
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1 EQUIPMENT BREAKDOWN FOR GUARANTEE GOLD HOMEOWNERS
2 About The Boiler Inspection and Insurance Company of Canada Home Equipment Breakdown Program Goals Home Equipment Breakdown coverage Loss Examples Overview of Claims Handling HSB BI&I Equipment Breakdown Benefits Agenda
3 Breaking New Ground for Homeowners GUARANTEE GOLD Equipment Breakdown goals: Provides coverage for exposures that were previously not covered Enable you to compete on the basis of value and service not just price Differentiate your offerings and increase visibility with your customers Strengthen customer loyalty & retention Attract new business
4 Evolving Needs of the Affluent Homeowner Home Evolution Climate controls Emergency generators Entertainment systems Smart appliances Data lines for communications Aging Population In-home medical instrumentation Medical alert systems Dependent on connectivity to outside providers New Risks Electronics hazard exposures Fragile systems Renewable energy Higher values
5 GUARANTEE GOLD EQUIPMENT BREAKDOWN EXTENSION
6 Coverage Summary Included in all GUARANTEE GOLD Homeowner s and Secondary Residence policies (E679 & E140) Covers Dwelling, Detached Private Structures and Personal Property (Contents) GUARANTEE GOLD provides $50,000 of coverage, Any One Accident can be tailored for larger required limits $500 Spoilage sub-limit Provides up to 125% of the replacement cost to upgrade to environmentally friendly equipment Additional Green coverage provided (Enhanced Environmental and Efficiency Improvements) - $3,000 sub-limit Additional Living Expenses are included $1,000 Deductible
7 Equipment Breakdown Perils We will pay for an Accident to Covered Equipment Accident means sudden and accidental: mechanical or electrical breakdown; or tearing apart, cracking, burning, or bulging of a steam or hot water heating system or an air conditioning system That results in direct physical damage to Covered Equipment
8 Equipment Breakdown Perils Covered Equipment means property covered under Dwelling, Detached Private Structures and Personal Property coverage and; (1) that generates, transmits or utilizes energy or (2) which, during normal usage, operates under vacuum or pressure, other than the weight of its contents. EXAMPLES INCLUDE: Central Air Conditioning, Ventilation Systems & Fans (HVAC) Boilers & Water Heaters, Furnaces, Heat Pumps, Heaters, Solar Heaters Deep Well Pumps and Swimming Pool Pumps Backup Generators Chair Lifts And Elevators Electrical Power Panels Motors & Mechanical devices of various types Solar panels and geo-thermal heating and cooling equipment Electronic equipment under Personal Property
9 What else is covered? Kitchen or laundry appliances Electronic entertainment equipment Computer equipment that supports home system Other personal property
10 Homeowners Policy Perils Already Covered by Homeowners policy: Lightning Power Surge Explosion Water Damage Freezing Any Resultant Damage * Goal is to avoid duplicate coverage
11 Underwriting Recap: A Few Questions and Answers Q. Is wear & tear covered? A. No, but if an «Accident» results, coverage will be afforded for the resulting damage. Q. What is the deductible for this equipment breakdown endorsement? A. $1,000 Q. Are buy-up options available? A. Available limits: $100,000, $150,000, $200,000 & $250,000 Q. Would a wine cellar be covered under this endorsement? If so, would the bottles of wine be covered as well? A. Unless an exclusion applies, wine cellar equipment (i.e. humidity or temperature control systems) falls under the definition of covered equipment. As for the bottles of wine, depending on whether the wine is scheduled and covered for the sudden and accidental spoilage due to change in temperature and extremes un humidity, it would then be covered under the GUARANTEE GOLD Homeowners Policy.
12 LOSS EXAMPLES
13 Air Conditioning Metal fatigue led to damage in the refrigerant line of a 3-ton air conditioning compressor The repair contractor replaced the line, compressor, refrigerant and coil Total paid claim: $4,000
14 Boiler Failure Sediment buildup caused two sections of a cast iron boiler to crack, and break down The sections were replaced, restoring boiler to normal operating conditions Total paid claim: $4,300
15 Electrical Panel A main electrical panel s circuit breaker failed to trip, overloading and damaging the wiring, lighting switches, outlets and appliances All items were replaced along with the circuit Total paid claim: $13,992
16 Hot Water Heater Failure of the water temperature control device in an owned hot water heater resulted in burner continuing to boil out water in vessel Complete destruction of vessel Total paid claim: $2,100
17 Built-in Stove A built-in stove was replaced when out-of-date controls broke down Total paid claim: $3,750
18 Deep Well Pump Intrusion of sand into deep well pump of rural home causes impeller to erode and fracture Pump mechanism broke down, cutting off home water supply Repairs required excavation and removal of all well piping to replace the pump Total paid claim: $12,800
19 Electric Generator Electric generator driven by natural gas-fueled engine fails due to lube oil pump break down Damage to motor & generator bearings & rotating elements requires replacement of entire unit Total paid claim: $6,500
20 Manufacturer s Warranties Manufacturer s defects Specific product, part Short period of time Not all parts, labour covered
21 Extended Warranties Ordinary use Do not cover human error: Faulty installation Operator error Lack of maintenance Expensive: 20% product cost 3-5 years
22 Service Contracts? Routine maintenance and repair Limited parts Will not replace complete units Plumbing contracts will not cover service lines
23 OVERVIEW OF CLAIMS HANDLING
24 HSB BI&I Claims Management Process First notice of loss follows same process for all other GOLD claims - 24/ HSB BI&I manages Equipment Breakdown claims on behalf of The Guarantee Technical experts in their field Dedicated claim contact Customized claim service guidelines Claim Adjuster training How to identify an Equipment Breakdown Loss HSB BI&I adjusts and settles the claim working in conjunction with GOLD claims team
25 Claims Frequently Asked Questions Q. If a claim occurs how do we report the loss? A. Please report any claims or questions regarding coverage for a potential claim to The Guarantee - 24/ We will respond as if it would have been a property loss under the GUARANTEE GOLD policy. Q. Would my disappearing deductible apply if the loss exceeds $25,000 as included in my GUARANTEE GOLD policy? A. Where the total loss exceeds the $25,000 limit on a concurrent type claim (water damage caused by a failed hot water tank), the deductible will be waived. If the loss was a stand-alone boiler claim and there was no concurrent loss (no water damage), then the $1,000 deductible from the EB extension would apply.
26 Claims Frequently Asked Questions Q. What would the deductible be if the loss was below the disappearing deductible where the GUARANTEE GOLD Homeowners policy is $2,500 and the Equipment Breakdown Extension deductible is $1,000? Loss is water damage to building/contents from a failed hot water boiler system. A. The $2,500 deductible would apply to the total claim, and the deductible would be apportioned between the EB claim cost and the building/contents loss. Q. How will a claim for Equipment Breakdown affect my claims rating? A. Should a claim occur that involves equipment breakdown only and is not concurrent with a property claim covered by the GOLD wording, the claim will not be charged against the policy. Where an EB loss is concurrent with a property loss, the claim will be charged against the policy, as we presently do.
27 Underwriting & Claims Handling Recap: A Few Questions and Answers Q. If the amount of the adjusted loss including the deductible exceeds $25,000, would the deductible be waived? A. Yes Q. Would both deductibles apply in the event of a concurrent claim? A. No, only the higher deductible would apply Q. If the loss strictly pertains to Equipment Breakdown and not H/O or property, would the property deductible be applied if it is higher than the $1,000 EB endorsement deductible? A. No, only the $1,000 EB deductible would be applied Q. Would an equipment breakdown loss be covered if it was determined that the problem occurred prior to the policy being effective? A. Every claim is different, in general the loss needs to have happened after the policy effective date
28 THE GUARANTEE GOLD EQUIPMENT BREAKDOWN BENEFITS
29 Broker Benefits Product differentiation Greater value to broker s high net worth clients Builds client loyalty and retention Complements broker s service promise Door opener for new business Automatic added protection
30 Policyholder Benefits Fills a coverage gap and protects homeowners from uncovered loss Provides coverage protection to vital equipment in their homes
31 What our lawyers ask of us This presentation is descriptive only. Whether or not or to what extent a particular loss is covered depends on the facts and circumstances of the loss and the terms and conditions of the policy as issued. Claims examples are based on actual cases, composites of actual cases, or hypothetical situations. Actual coverage is subject to the language of the policies as issued. Presentation is not to be duplicated or replicated unless with the express consent of The Guarantee Company of North America GUARANTEE GOLD is a registered trade name of The Guarantee Company of North America. All rights reserved.
32 THANK YOU 2 UFC for Quebec or 1.5 hours for the other provinces Please return the quiz in order to obtain your certificate The webinar has been recorded and will be available shortly Our goal was to provide you with a comprehensive overview of Equipment Breakdown Insurance for Guarantee Gold and the different types of coverage provided We learned how Equipment Breakdown Insurance compliments GUARANTEE GOLD, the features of the product and how you can position it as a differentiator when promoting Guarantee to your customers GUARANTEE GOLD is a registered trade name of The Guarantee Company of North America. All rights reserved.
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