Why Your HomeVerified Report is Important!
Selling a Home
When you’re selling a home, providing potential buyers with a HomeVerified report shows that you’re upfront and open to disclosing the full history of your home, right from the start. Home Buyers will know that you’re a Seller they can trust and they’ll appreciate your full disclosure – which often helps to close the sale.
Buying a Home
When you’re a Home Buyer, HomeVerified gives you valuable insight into what’s happened to a home over its lifetime. You can feel confident that you know important details about a home and can make a more informed purchase decision with this data.
HomeVerified is a Canadian provider of home history reports – a critical tool when you’re buying or selling any home.
A HomeVerified report establishes trust and transparency between a Home Buyer and a Home Seller by removing the guesswork about a home’s past – replacing it with impartial, accurate and real-time data.
Your Reports Includes:
Real-time data.
Live, real-time data sources provide you with up-to-the-minute information from governments, police departments, private and public insurance agencies and many other providers.
Specific Insurance Claims data.
Learn whether the home has had an insurance claim, the type of incident occurred and the amount of damage. How do I use this data?
- Claims data highlights past structural incidents that have occurred in the home.
- Claims data allows a home inspector to focus more specifically on areas in the home which may have had issues.
- A history of insurance claims can significantly increase insurance policy costs for a property.
Grow-Op & Meth Lab activity.
Past clandestine drug activity from police data has been gathered from a variety of sources across the country. Why does this matter?
- Grow-Ops can cause structural issues and a tendency to have mold problems – most importantly these can lead to serious health and safety concerns for a home owner.
- A history of Grow-op or meth lab activity can significantly decrease the future resale value of a home.
- While HomeVerified regularly requests grow-op data from law enforcement agencies, not all police departments comply with these requests. We encourage all users of this Report to contact their local police departments directly for specific inquiries regarding any address.
Neighbourhood Insurance Claims history.
Discover which types of insurance claims have tended to occur in the past 5 years in the neighbourhood surrounding your potential home. Why should you care?
- Recurring neighbourhood claims of a particular type can be an indicator of specific local municipal deficiencies or neighbourhood issues. Flooding might be an example.
National School Rankings.
Nothing is more important than your children – see detailed rankings for local Elementary & Secondary schools. Does this really matter?
- Examining the ranking of schools (based upon national standards) within a neighbourhood, can assist in choosing the area in which you wish to locate your family.
1. Insurance
Claims History & Grow-Op Records
Property Address:
HomeVerified scanned more than 10 million records to compile this summary of claims incidents at this residence.
| Records Scanned | Records | Provincial Average Claim Size | Canadian Average Claim Size |
|---|---|---|---|
| Water Damage | |||
| Buildings | $12,495 Claim Date: April/2004 $8,625 Claim Date: April/2012 |
$9,832 | $8,032 |
| Flood or Sewer Backup | No damage report found | ||
| Fire Damage | |||
| Buildings | $88,429 Claim Date: May/1999 |
$56,885 | $51,212 |
| Smoke Damage | No damage report found | ||
| Windstorm/Hail | |||
| Buildings | No damage report found | ||
| Glass Breakage | No damage report found | ||
| Collapse of Building | No damage report found | ||
| Earthquake Damage | No damage report found | ||
| Other | No damage report found | ||
| Grow-Op & Meth Lab | No damage report found | ||
|
HomeVerified maintains the most sophisticated and comprehensive clandestine laboratory database in the country. By identifying more than 17,000 addresses with grow-op activity dating back to 1998, HomeVerified helps protect unsuspecting consumers across the country. HomeVerified aggressively solicits Canadian police and fire authorities to share this data through regular Freedom of Information requests. Despite these efforts some law enforcement agencies refuse to comply. As a result HomeVerified encourages all prospective homebuyers to contact their local law enforcement agency directly to inquire about any home prior to its purchase.
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Damage Report Found…now what?
- HOMEVERIFIED DOES NOT HAVE ACCESS TO ANY FURTHER DETAILS REGARDING ANY PORTION OF ANY CLAIM OTHER THAN THAT DATA DISPLAYED IN THE CLAIMS TABLE DIRECTLY ABOVE.
- For water & fire damage reports found, home inspectors will pay particular attention to water issues and may recommend additional investigation including the use of Infrared Thermography (Thermal Imaging) to help identify concealed moisture, for example. Inspectors may also recommend a video inspection of sewer lines to help ensure there are no obstructions or collapsed pipes that may result in a sewer backup.
- Where the home has been identified as grow-op or meth lab, home inspectors may recommend an indoor air quality investigation and a comprehensive electrical inspection.
- $0.00 Claims represent a claim that was initiated but either subsequently cancelled and/or resulted in no claim damages being distributed.
- “Other” is a category that Insurers use to account for all other claims such as lightning strikes, pest damage and incidents which do not readily fall under the under standard claims classifications.
- Only claims that have been settled are displayed in the Table above – claims under review are not made available to HomeVerified.
2. Claims Analysis
By Neighbourhood & Grow-Op Records
Property Address:
This report reflects the claims incidents that have occurred during the past 5 years in the surrounding area where this residence is located.
| Five Year Total | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|
| Windstorm/Hail | 10 | 1 | 5 | 2 | 0 | 2 |
| Water Damage | 13 | 0 | 3 | 5 | 1 | 4 |
| Fire Damage | 2 | 1 | 1 | 0 | 0 | 0 |
| Burglary/Theft | 7 | 0 | 1 | 1 | 2 | 3 |
| Other | 23 | 0 | 4 | 7 | 5 | 7 |
| Total Losses | 55 | 2 | 14 | 15 | 8 | 16 |
Grow-Op & Meth Lab activity
3 police reported incidents of grow-op and/or meth. lab activity
occurred within 1 KM of 455 St. James Street, London ON N5Y 3P2.
occurred within 1 KM of 455 St. James Street, London ON N5Y 3P2.
3. Local School Rankings
Elementary Schools
Property Address:
St Georges Public School
782 Waterloo St
London, ON N6A 3W4
School District: Thames Valley DSB
London, ON N6A 3W4
School District: Thames Valley DSB
Ranking 2012-13: 1148/3030
Rank in the most recent five years: 1524/2292
Rank in the most recent five years: 1524/2292
School Information:
Gr 6 enrollment: 21
ESL (%): 0.0
Average family income ($): 107,600
| 2013 | 2012 | 2011 | 2010 | Trend | |
|---|---|---|---|---|---|
| Gr 3 avg. level | |||||
| Reading | 2.9 | 3.1 | 2.6 | 2.4 | — |
| Writing | 3.1 | 3.0 | 2.8 | 2.5 | — |
| Math | 2.8 | 3.1 | 2.8 | 2.9 | — |
| Gr 6 avg. level | |||||
| Reading | 3.1 | 2.7 | 2.8 | 2.4 | — |
| Writing | 2.7 | 2.7 | 2.8 | 2.4 | — |
| Math | 2.5 | 1.9 | 2.5 | 2.2 | — |
| Gender gap | |||||
| Reading | n/a | n/a | n/a | n/a | n/a |
| Math | n/a | n/a | n/a | n/a | n/a |
| Tests below standard (%) | 26.0 | 29.7 | 30.6 | 49.3 | — |
| Tests not written (%) | 14.5 | 19.8 | 20.0 | 17.9 | — |
| Overall rating out of 10 | 6.6 | 6.2 | 5.8 | 3.2 | — |
St Michael
926 Maitland St
London, ON N5Y 2X1
School District: London District Catholic School Board
London, ON N5Y 2X1
School District: London District Catholic School Board
Ranking 2012-13: 2286/3030
Rank in the most recent five years: n/a
Rank in the most recent five years: n/a
School Information:
Gr 6 enrollment: 22
ESL (%): 4.5
Average family income ($): 54,400
| 2013 | 2012 | 2011 | 2010 | Trend | |
|---|---|---|---|---|---|
| Gr 3 avg. level | |||||
| Reading | 2.9 | 2.8 | 2.3 | 2.2 | n/a |
| Writing | 2.8 | 2.7 | 2.6 | 2.7 | n/a |
| Math | 2.3 | 2.7 | 2.5 | 2.4 | n/a |
| Gr 6 avg. level | |||||
| Reading | 2.8 | 2.6 | 2.5 | 2.3 | n/a |
| Writing | 2.9 | 2.8 | 2.7 | 2.5 | n/a |
| Math | 2.3 | 2.5 | 2.1 | 2.3 | n/a |
| Gender gap | |||||
| Reading | n/a | n/a | n/a | n/a | n/a |
| Math | n/a | n/a | n/a | n/a | n/a |
| Tests below standard (%) | 38.6 | 31.0 | 43.2 | 53.7 | n/a |
| Tests not written (%) | 4.3 | 7.2 | 7.5 | 4.1 | n/a |
| Overall rating out of 10 | 4.9 | 5.3 | 3.5 | 2.7 | n/a |
3. Local School Rankings
Secondary Schools
Property Address:
London Central Secondary School
509 Waterloo St
London, ON N6B 2P8
School District: Thames Valley DSB
London, ON N6B 2P8
School District: Thames Valley DSB
Ranking 2012-13: 3/740
Rank in the most recent five years: 1/691
Rank in the most recent five years: 1/691
School Information:
ESL (%): 5.4
Average family income ($): 90,400
| 2013 | 2012 | 2011 | 2010 | Trend | |
|---|---|---|---|---|---|
| Avg. level Gr 9 | |||||
| Math (Acad) | 3.3 | 3.3 | 3.2 | 3.2 | — |
| Math (Apid) | n/a | 2.3 | 2.6 | 2.7 | n/a |
| OSSLT passed | |||||
| FTE | 98.8 | 99.6 | 99.6 | 98.1 | — |
| PE | 91.7 | n/a | n/a | n/a | n/a |
| Tests below standard (%) | 1.4 | 2.5 | 4.6 | 4.0 | — |
| Gender gap | |||||
| Math | M 0.1 | E | M 0.1 | M 0.1 | — |
| OSSLT | F 2.6 | F 1.1 | M 0.8 | F 4.1 | — |
| Gr 9 tests not written (%) | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Overall rating out of 10 | 9.4 | 9.6 | 9.3 | 9.1 | — |
Catholic Central High School
450 Dundas St
London, ON N6B 3K3
School District: London District Catholic School Board
London, ON N6B 3K3
School District: London District Catholic School Board
Ranking 2012-13: 497/740
Rank in the most recent five years: 382/691
Rank in the most recent five years: 382/691
School Information:
ESL (%): 18.7
Average family income ($): 68,700
| 2013 | 2012 | 2011 | 2010 | Trend | |
|---|---|---|---|---|---|
| Avg. level Gr 9 | |||||
| Math (Acad) | 2.8 | 2.7 | 2.9 | 2.8 | — |
| Math (Apid) | 1.6 | 2.3 | 2.1 | 1.9 | — |
| OSSLT passed | |||||
| FTE | 80.5 | 80.8 | 85.5 | 88.3 |  |
| PE | 38.6 | 25.8 | 43.1 | 50.0 | — |
| Tests below standard (%) | 29.6 | 30.0 | 24.0 | 24.2 | |
| Gender gap | |||||
| Math | E | E | E | M 0.1 |  |
| OSSLT | F 11.3 | F 6.3 | F 7.0 | F 1.5 | |
| Gr 9 tests not written (%) | 0.4 | 0.0 | 1.3 | 1.1 | — |
| Overall rating out of 10 | 5.4 | 5.4 | 6.5 | 6.4 |  |
4. Local Amenities
Within 2KM Radius
Property Address:
5. Political Representatives
Property Address:
HomeVerified Home History Reports are compiled from multiple sources. It is not always possible for HomeVerified to obtain complete information on all properties or neighbourhoods, therefore there may be discrepancies that apply to this property or neighbourhood that are not reflected on this report. HomeVerified searches data from additional sources where possible, but all problems and discrepancies may not be reflected on the Home History Report.
These Reports are based on information supplied to HomeVerified by external sources believed to be reliable, but no responsibility is assumed by HomeVerified or it’s agents for errors, inaccuracies or omission. The reports are provided strictly on an “as is where is” basis and HomeVerified further expressly disclaims all warranties, expressed or implied, including any implied warranties of merchantability or fitness for a particular purpose regarding this report. HomeVerified and its suppliers do not make any representations as to whether claims or repairs detract from or add to the home or its value.
Frequently Asked Questions
If I get a HomeVerified Report do I still a need a home inspection?
Yes. A HomeVerified Report is for research and due diligence purposes and should not be solely relied upon when purchasing a home. Engaging a qualified home inspector is absolutely necessary when deciding on a home purchase.
Where does the Insurance Data come from?
HomeVerified receives information from hundreds of different insurers and data suppliers from across Canada. This includes both government sources, as well as private companies that have interactions with the resale home.
Can HomeVerified provide additional information about a Claim being displayed on the report?
No. If you have questions or concerns regarding a claim or previous repairs being displayed, we suggest you discuss them with your Home inspector or Real Estate Professional. $0.00 Claims represent a claim that was initiated but either subsequently cancelled and/or resulted in no claim damages being distributed.
Where do the Grow-op records come from?
Grow-op data is continually updated by the HomeVerified team through a combination of public facing websites, extensive database searches and Freedom of Information requests. The grow-op data is also obtained through direct contact with regulatory authorities. Our data is constantly being updated by the HomeVerified team.
How is your Grow-op data different online RCMP and police department registries?
HomeVerified has grow-op registry records dating back to the year 2000. All of our municipal archived records are permanently on file and continually updated. Most online grow-op registries only display records from a very recent time period.
The HomeVerified report isn’t showing any reports of a Grow-Op but I have been told otherwise, why would this be?
NOT ALL POLICE FORCES CHOOSE TO SHARE CLANDESTINE LAB INFO WITH HomeVerified. If you suspect a property of being a former clandestine lab and HomeVerified finds no records of previous clandestine use, you should contact local authorities and inquire directly.
Why is researching past insurance claims and grow operations so vital?
Past insurance claims records can be an important indicator of issues that may still be present in a re-sale home. HomeVerified’s insurance claims reports allows all parties to have a better understanding as to what has occurred in a home’s past – leading to a more informed purchase and sale decision. Grow operations can many times lead to potentially health hazards for new occupants of a former grow-op home.
How accurate is the data in the Report?
All HomeVerified’s sources are accredited and believed to be highly accurate. HomeVerified Reports are an excellent tool to help you in your research regarding any home in the country. When used in conjunction with a qualified home inspector they can combine to deliver you a far more accurate inspection of any home.
How is neighbourhood insurance information relevant and why does it affect me?
When determining Home insurance cost, Insurance companies base their pricing on many factors such as the claims history of the house as well as the neighbouring claims index. A high number of neighbouring claims could affect your cost of insurance. It is good practise to obtain a written estimate of insurance policy costs before moving forward.
My HomeVerified report is showing clandestine laboratory (Grow-Op) occurrence, what should I do next?
Consult with your Real Estate Professional and inquire about additional details directly from your local authorities and municipality.
The School Data being displayed is not the correct school for this address, why is that?
HomeVerified Reports display only the most geographically proximate schools relative to the Report address, which are not necessarily the schools assigned by the School Board for this Report address, as provided by the Fraser Institute. The Fraser Institute ranks only public elementary and secondary schools on a bi-annual basis.