Confirmation of Property Insurance

Important: This document is not the insurance policy. It is for information purposes only and is subject to all terms, exclusions and
conditions of the policy.

Policy number: 3H455003 (Holding coverage 2022-02-15)

Effective from: 2022-02-15 to 2023-02-15
*(12:01 a.m. all times are local times at the named Insured's postal address shown on this Confirmation)

Insured(s) Address
LAVASANI ALI AND 33, RUE DES MOHAWKS
MOROVATI FATEMEH KIRKLAND
H9H 3S9

Location Information
Product: Desjardins Home Vision - Homeowners
Risk Address: 33, RUE DES MOHAWKS
KIRKLAND
H9H 3S9
Description: House occupied as a principal residence and occupied by Insured
1 dwelling(s)
Year of building construction: 1975
Mortgagee(s): C.D. DE L'OUEST-DE-L'ILE 981, BOULEVARD SAINT-JEAN POINTE-CLAIRE H9R
5K3

Deductible: $1,000
Amount of
Coverages insurance ($)
Blanket Amount for A, B, C and D $1,339,000
A-Dwelling ($669500)
B-Detached Private Structures
C-Personal Property (Contents)
D-Additional living expense/Fair rental value
Guaranteed Repair or Replacement Cost for Dwelling Building (Endorsement 17)
E-Legal Liability $1,000,000
F-Voluntary Medical Payments $5,000
G-Voluntary Payment for Damage to Property $1,000

2022-02-02 Anthony Martin 1-888-835-9062

Date Personal lines damage insurance agent Telephone number
Desjardins General Insurance Inc.
Damage insurance agency and financial services firm
6300, boul. Guillaume-Couture, C.P. 3500, Lévis (Québec) G6V 6P9

940 007 (2015-07)

 Policy number

Standard Mortgage Clause

It is hereby provided and agreed that: mortgage or on the security thereof, and shall SUBJECT TO THE TERMS OF THIS
thereupon receive a full assignment and MORTGAGE CLAUSE (and these shall
1 Breach of Conditions by transfer of the mortgage together with all supersede any policy provisions in conflict
Mortgagor, Owner or Occupant securities held as collateral to the mortgage therewith BUT ONLY AS TO THE INTEREST
This insurance and every documented debt. OF THE MORTGAGEE), loss under this
renewal thereof - AS TO THE INTEREST OF policy is made payable to the Mortgagee.
THE MORTGAGEE ONLY THEREIN - is and 3 Other Insurance
shall be in force notwithstanding any act, If there be other valid and collectable insur-
neglect, omission or misrepresentation attrib- ance upon the property with loss payable to Release of Interest
utable to the Mortgagor, owner or occupant of the Mortgagee – at law or in equity – then any I, the undersigned, hereby certify having
the property insured, including transfer of amount payable thereunder shall be taken no further interest in the building insured
interest, any vacancy or non-occupancy, or into account in determining the amount under location number of this policy.
the occupation of the property for purposes payable to the Mortgagee.
more hazardous than specified in the Effective date:
description of the risk; 4 Who May Give Proof of Loss – –
PROVIDED ALWAYS that the Mortgagee In the absence of the Insured, or the inability, Year Month Day
shall promptly notify the Insurer (if known) of refusal or neglect of the Insured to give
any change that increases the risks stipulated notice of loss or deliver the required Proof
in the policy and that results from events of Loss under the policy, then the Mortgagee Name of Mortgagee
within his control if it is likely to materially may give the notice upon becoming aware
influence an insurer in setting the rate of the of the loss and deliver as soon as practicable
premium, appraising the risk or deciding to the Proof of Loss. Authorized signature
continue to insure it; and that every increase
of risk (not permitted by the policy) shall be 5 Coverage Period
paid for by the Mortgagee – on reasonable The term of this Mortgage Clause coincides This policy is subject to the Civil Code of
demand – from the date such risk existed, with the term of the policy; Québec (R.S.Q. Chapter A - 32) and has
according to the established scale of rates been approved in accordance with Com-
for the acceptance of such increased risk, Cancellation or Amendment pany rules.
during the continuance of this insurance. PROVIDED ALWAYS that the Insurer
reserves the right to cancel the policy as
2 Right of Subrogation provided by Article 2477 of the Civil Code
Whenever the Insurer pays the Mortgagee of Québec, but agrees that the Insurer will
any loss award under this policy and claims neither cancel nor amend the policy to the
that – as to the Mortgagor or owner – no prejudice of the Mortgagee without 15 days'
liability therefor existed, it shall be legally notice to the Mortgagee by registered letter.
subrogated to all rights of the Mortgagee
against the Insured; but any subrogation 6 Transfer of Title
shall be limited to the amount of such loss Should title or ownership to said property
payment and shall be subordinate and become vested in the Mortgagee and/or as-
subject to the basic right of the Mortgagee signs as owner or purchaser under fore-
to recover the full amount of its mortgage closure or otherwise, this insurance shall
equity in priority to the Insurer; or the Insurer continue until expiry or cancellation for
may at its option pay the Mortgagee all the benefit of the said Mortgagee and/or
amounts due or to become due under the assigns.

143 071 (2016-11)