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PlomberieBoucherville

Plumbing report for your insurer

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After water damage an insurer almost always asks the same thing: where did the water come from, and what failed? Answering in writing, with dated photos, avoids the back-and-forth that holds up a file.

This report is a plumber’s finding. It describes what was observed on the installation: the point of origin, the component or section at fault, the condition of what surrounds it, and the corrective work recommended.

It does not price the damage to the building and takes no position on coverage: both belong to the loss adjuster your insurer appoints, a regulated profession in Québec. Our part is the plumbing, documented so the adjuster can rely on it.

Does this sound familiar?

  • An insurer asking for the exact cause before opening the file
  • Water damage whose origin is disputed or unclear
  • A sewer backup whose source must be established
  • A water heater, hose or fitting that gave way
  • Damage at a neighbour’s or in a rental unit
  • A claim refused for lack of technical documentation

How we work

  1. We establish the origin

    Tracing where the water started, not merely where it appeared — the two are often far apart. Camera inspection where the drain is involved.

  2. We document on site

    Dated photos of the component at fault, its condition and its immediate surroundings, while the situation is still visible.

  3. We write the finding

    A written document: what was observed, what failed, what explains it and what must be corrected. In plain language, not jargon.

  4. We hand it to you

    You pass it to your insurer. If they have technical questions about the plumbing, we answer them.

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Frequently asked questions

Do you assess the amount of the damage?
No. We document the plumbing cause: what failed and why. Assessing the damage to the building and deciding on coverage belong to your insurer’s loss adjuster — in Québec that title is regulated by the Autorité des marchés financiers.
When should you call us?
As early as possible, and before restoration work. Once the walls are rebuilt the origin is no longer observable and the finding rests on memory. If this is an emergency in progress, call 514-475-5516 first: we stop the water, then document.
Does the report guarantee the claim will be accepted?
No, and be wary of anyone who promises that. The decision rests with the insurer under your policy. What the report provides is a clear, dated technical description of the cause, where the absence of a document leaves room for interpretation.
Are you qualified to produce this finding?
We are licensed plumbing contractors — RBQ 5825-6405-01, CMMTQ members. The finding concerns the plumbing installation, which is exactly what that trade covers.

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