New CLBC Program to Protect Home Sharing Providers from Property Damage

Dear Home Sharing Providers,

We are pleased to inform you about the launch of a property support program that will provide home sharing providers with comprehensive insurance coverage against significant property damage and protection from occasional minor property damage (outside of normal wear and tear) caused by individuals supported in home sharing.

We appreciate your dedication and patience over the years while we worked towards this important initiative. Your input and feedback have been instrumental in shaping this program, and we are thrilled to see it come to fruition.

This group policy is effective immediately and fully funded by CLBC. 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.

Individualized Funding agreements or Person-Centred Societies / Microboards are covered by this program if you have ‘home sharing’ as a funded service in your current CLBC contract. Agents and Directors of Person-Centered Societies should contact their CLBC analyst if they need to make a claim.

We recognize that home sharing providers play a critical role in our services, providing essential support and care to individuals with diverse needs. We also understand that accidents can happen, and damages to homes or property may occur as a result of individual support needs or unforeseen incidents.

The new Home Sharing Property Support Program safeguards home sharing providers through two different streams: 

1. Insurance Rider for Major or Catastrophic Damages:

If you are under contract with an agency, you are eligible for this component which offers extensive protection against major or catastrophic damages. This program aligns with your existing insurance arrangement, providing coverage of up to $500,000 with a deductible of $25,000. We will ensure a smooth claims process for you by covering the deductible if a claim proceeds. Upon enrollment, you will receive a certificate of coverage, completed by your contracting agency, and an adjuster will work collaboratively with you and your agency to assess damages should you need to make a claim.

This program is fully funded by CLBC, and we will work with your contracting agency to arrange payment or reimbursement of any deductible.

2. Reimbursement Program for Minor Damages:

In addition to the Insurance Rider, we are introducing a reimbursement program to cover minor damages. This program reimburses home sharing providers with the cost of repairing minor damages to their homes caused by the individuals they support. Our CLBC funded home sharing agencies will work closely with home sharing providers to assess damages.

When damage occurs, the contracting agency 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.

Thank you for your ongoing commitment to the individuals we serve and for being an integral part of the CLBC community.

Additional Resources:

Supporting Documents: To help you learn more about this program and how to make a claim, we have posted further information on our CLBC website including a list of Frequently Asked Questions and a Guidance Document for Agencies (home sharing providers may also find this document helpful). You can view these materials on the Home Sharing Property Support Program webpage here.

Information Session: We have scheduled an information session for home sharing providers and service providers with CLBC staff and the insurance provider. Mark your calendar; the session is on Wednesday, January 17 from 11am to 12pm (PST). Stay tuned for a formal invite! For those who cannot attend, it will be recorded and posted on the CLBC website by the end of January.

If you need further information about the program, please don’t hesitate to reach out to your agency.

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