Free Instant Read
Poly B Insurance Risk Checker
Four quick yes-or-no questions about your home and your insurance situation give you an honest, general read on your exposure — calculated instantly in your browser, nothing sent anywhere.
Answer 4 Quick Questions
Yes or no for each — takes about 30 seconds.
Answer all 4 questions to see your result.
Your Result
Your Result
Replacing Poly B is typically what restores eligibility for standard coverage — but your insurer always makes the final call.
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Get connected with a licensed plumbing contractor
A firm quote and, once completed, insurer-ready documentation are the most useful things you can bring to a conversation with your broker.
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How It Works
How This Risk Checker Works
Four questions, weighed in a specific order, so the reasoning behind your result is always traceable back to what you actually answered — not a black-box score.
The Logic
What Actually Drives the Result
An already-received decline, non-renewal, or surcharge is the strongest possible signal, since it's a real outcome that's already happened, not a prediction — it puts you in the highest exposure tier regardless of anything else. An insurer already asking about Poly B combined with a renewal in the next 90 days is treated the same way, since an active question colliding with an imminent deadline leaves little room to plan.
An insurer asking with no imminent renewal, or an era-appropriate home (1978–1998) with a renewal coming up, both land in moderate exposure — real factors worth acting on, without the same time pressure. Everything else, including an era-appropriate home with no active insurer signal, reads as lower exposure — a real underlying factor, but not yet an active one. See our home insurance and Poly B page for the fuller picture of how this plays out in practice.
Being Straight With You
What This Checker Isn't
We built this to be genuinely useful, not to manufacture urgency that isn't real.
No individual insurer names or policies — we speak to general, published market patterns only.
Your own insurer makes the final call on your policy, always — this tool gives you a read, not a promise.
For your specific policy's exact terms, your broker or insurer is the authority — we're a useful starting point, not the final word.
Common Questions
Frequently Asked Questions
Is this checker affiliated with any insurance company?
No. This is our own tool, built from general, published patterns in how Canadian insurers have approached Poly B -- not information from or about any specific insurer. We never name individual insurers or claim to know their internal policies.
Can this tell me for certain what my insurer will do?
No. Only your own insurer or broker can tell you that with certainty. This checker gives you an honest general read on your exposure based on patterns common across the market, then points you to the next real step.
Does replacing Poly B guarantee my insurer will cover me?
No guarantee -- replacing Poly B is typically what restores eligibility for standard coverage, but the final underwriting decision always belongs to your insurer.
Why does renewal timing matter so much in the scoring?
Because insurance situations move on their own schedule. A renewal date or a new-policy application deadline gives you less room to act once the issue actually surfaces, so imminent timing raises the practical urgency even when the underlying facts haven't changed.
What should I do if my result says Higher exposure?
request a referral as soon as you reasonably can. A firm quote and, once completed, insurer-ready documentation are the most useful things you can bring to a conversation with your broker or insurer.
What does this Poly B insurance checker actually do?
This Poly B insurance checker weighs the factors insurers have been asking about - build year, whether the system has been replaced, and where you sit in your renewal cycle - and gives you an honest read on your exposure. It is not an insurance quote, and it does not contact your insurer.
In Short
Poly B Insurance Risk Checker — The Short Version
This poly b insurance risk checker weighs your home's era, whether your insurer has already asked about Poly B, how soon your renewal is, and whether you've already received a decline, non-renewal or surcharge, to give you an honest, general read on your exposure — higher, moderate, or lower. No insurer names, no fabricated policies, and no guarantees: replacing Poly B is typically what restores eligibility for standard coverage, but your insurer always makes the final call. A on-site Poly B assessment is the next real step either way.
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