Home Sharing Property Support Program

CLBC has arranged for Extended Property Damage (Rider) Insurance for all Agency Contracted Home Sharing Providers to supplement their homeowner or tenant property policy.

This policy acts as a Rider, mirroring the home sharing provider’s own policy and offering coverage for damages caused by the acts or negligence of the CLBC supported individual in the home.

This group policy is fully funded by CLBC on behalf of all Agency Contracted Home Sharing Providers. If you provide home sharing services under a contract with an approved CLBC Agency and have homeowner or tenant insurance, you will automatically receive coverage.

Damages are covered under this program when caused by the CLBC supported individual and only if any one incident is more than the deductible on the caregiver’s policy. If a claim proceeds, CLBC will cover the deductible. Your contracting agency will work with CLBC to arrange payment or reimbursement of any deductible, ensuring a smoother claims process for the home sharing providers.

Damages below the $25,000 deductible, will fall under the Minor Damages Program.

To further support home sharing providers, we are introducing a reimbursement program that provides clarity and guidance on the process for home sharing providers to be reimbursed for the cost of repairing minor damages to their homes caused by the individuals they support. The Minor Damages Program is designed as a reimbursement initiative, not an insurance program.

When damage occurs, the agency the home sharing provider contracts with will work closely with the home sharing provider to assess the damage. For damages less than $1,500, agencies can authorize reimbursement directly. For damages over $1,500, agencies will seek pre-approval from their CLBC analyst. Agencies will invoice CLBC on a regular basis for the approved damages, and this approach streamlines the payment process, ensuring efficient approval and payment for minor damages.

Our main goal is to speed up the reimbursement process, ensuring that home sharing providers receive timely support for minor repairs. This way, caregivers can focus more on providing care and support to the individuals they serve, without unnecessary delays in receiving the necessary funds for minor damages.

Eligibility for both programs will require the following criteria to be met:

• The home sharing provider must be under contract with an agency.
• Damages must have occurred within the term of the contract.
• Home sharing providers must have homeowner or tenant insurance.
• Damages must be to the property of the home sharing provider.
• Damages must result from the direct action or negligence of the supported individual.

There are certain exclusions from the program, including costs related to normal wear and tear, expenses associated with moving an individual into or out of the home sharing, costs to implement or reverse individual-specific changes to the home, and costs unrelated to property damage or loss, such as bodily injury or personal liability where other coverage applies.

1. To make a claim through the Home Sharing Property Insurance Rider Program, the home sharing provider must inform the agency that they contract with, who will inform CLBC. After the home sharing provider has informed their agency, they should contact Shannon Mycroft at Coast Claims Insurance Services via email (clbc@coastclaims.com) or telephone (1-866-694-3111) to report their claim as soon as possible following loss or damage. They do not need to contact their own insurer.
2. The home sharing provider will be required to submit the following documents to both their contracting agency and Coast Claims Insurance Services:a) A copy of their homeowner or property insurance policy.
   b) Statement of the incident (home sharing providers should avoid using the name of the individual).
   c) A copy of the enrollment certificate for the Insurance Rider program (issued by the agency at contract signing) and a copy of the home sharing provider’s contract with their agency.
   d) The police file number, where appropriate.
   e) Estimates or receipts for repair of damaged items.
   f) Pictures of the damage.
3. The home sharing provider will be contacted by an adjuster to get more information about the specifics of the claim in order to evaluate a settlement.
4. The adjuster will contact the home sharing provider and agency to provide the outcome of the claim settlement and payment.
5. The agency will work with CLBC to provide payment or reimbursement of the deductible. Deductible payments will be made under the Damage Reimbursement Program.