The iVerify Comprehensive Report contains information about insurance claims about a property. Therefore the consent of the current
homeowner or its representative (Lawyer or listing agent) is needed to obtain this report. Note that the Basic Report does not require consent.
When you choose
to buy a Comprehensive report, we will ask you whether you have consent and ask you to sign off with a click that you have obtained it from the home owner or
legal representative(Lawyer or Listing agent).
Consent can be obtained in a number of different ways:
iVerify is happy to facilitate getting consent for you. Simply send us an email at email@example.com with the address you're looking at getting a report for and we'll do the leg work. In your email, it
always helps if we have your name and phone number as well as the reason that you are requesting consent (ie you are interested in purchasing the home). We will
use your contact information solely for contacting you unless you specifically give us permission to pass it along to the real estate agent.
Through a Listing Agent:
If you are looking at a property that is currently listed for sale, the listing agent is the fastest
and easiest way to get the required consent. They can easily check with the home owner and provide you with the required consent.
As a Condition of Sale:
iVerify has created a conditional clause that you can insert into your offer of purchase for a
particular property. You can download it here - once the offer is accepted, the clause comes into effect
and grants you consent.
Directly from the Homeowner:
If you want to contact the homeowner directly, you can ask them to sign off on the manual
consent document. This document is available : here
If you cannot get consent, do not despair! The iVerify Basic Report is packed with valuable information about the property and does not require
An iVerify Report Will Protect You - Get the Facts
An iVerify report is very similar to "CarFax® Report" on a vehicle. Our reports will search any Canadian residential address against hundreds of databases held by insurance companies, municipalities, assessment organisations, police forces as well as our own proprietary CLORAD ( Clandestine Laboratories Operation Residential Address Database ) which contains grow ops, meth labs and other illicit activity that could impact the property
The RCMP and various police forces across Canada believe there is over 50000 active grow ops in Canada. There are very few resources to protect you, the homebuyer against unknowingly buying one of these properties. While homebuyers often lean on the expertise of a real estate agent to reassure them that their new property wasn't used as a grow op, OREA and RECO claim that a Realtor has the obligation to disclose the use of a home that was used for illegal production of drugs. The caveat is that in order for your agent to have to disclose it he must be aware of its history. You probably guessed it but in case you didn't, most realtors will quickly browse the internet or lean on the SPIS to fulfill their obligations. We can tell you that less than .03% of Canadian real estate professionals currently use iVerify on all transactions.
A property exposed to production of drugs can pose serious problems to its existing or new owner:
A study showed that most people would not buy a former grow op and the very few people that said they would expected at least a 25% discount off the value. Owning a grow op can be a serious pain in the wallet.
In Canada we currently lack a standardized protocol dictating how to remediate a property used as a grow op.
It's also important to understand that even if a property has been remediated it doesn't address the problem of returning criminals nor does it deal with the stigma now attached to the property. When a swat team breaks down the doors and carries illegal drugs off the property, the neighbours tend to notice.
Mould can be found in every home. Exposure to mould does not always have negative health effects. However, some people may be more sensitive to mould:
those with asthma, hay fever, or other allergies
those with a weak immune system due to other medical conditions
people with specific illnesses such as diabetes or cancer may be more susceptible to infections caused by certain types of mould
Symptoms of mould exposure
Common symptoms of mould sensitivity may include:
runny nose or nasal congestion
aggravation of asthma
Most mould exposure symptoms are not serious or long-lasting. However, if you are experiencing any of the symptoms above, you should contact your family doctor.
Some people are more sensitive to residues
Fertilizers and pesticides may be used in marijuana grow operations to enhance growth and control weeds, fungus or insects. The fertilizers and pesticides may leave chemical residues on household surfaces and should be removed as part of the cleanup process.
As with mould exposure, some people may be more sensitive than others to fertilizer and pesticide residues:
those with asthma, hay fever, allergies or
those with a weak immune system due to other medical conditions
Symptoms of pesticide poisoning
Being exposed to pesticides does not automatically mean that individuals will suffer a negative health effect. The toxicity of the specific pesticide, the concentration, how long an individual was exposed and the frequency of exposure, may contribute to an adverse reaction to chemical residues.
Common symptoms of pesticide poisoning include:
burning, stinging or itchy eyes, nose, throat and skin
The symptoms above can range in severity. Contact your family doctor if you are experiencing any of these symptoms.
Other safety concerns from a property found to be a marijuana grow operation (MGO) include:
Insurance claims database search is one of the most important part of our report. This section of the report will permit you to identify if there is any trace of previous claims activity relating to a property. Keep in mind that most insurance companies in Canada will look at the claims history of the home to set its premiums. Therefore here are a few reasons you MUST insist on getting this information.
A home with previous claims will most likely cost you more to insure
A home with reoccurring problems such as sewer backups or floods might become uninsurable against future disasters
A homeowner is naturally not compelled to give you this information as it will most likely affect the sale price and your decision to buy.
A home with previous sewer backup or water damage might have hidden mould issues that could cost you thousands of dollars to repair down the road.
A home with previous fire or smoke damage might develop some unwanted odors or structural issues that could lead to thousands of dollars in repairs.
Fire claims also generally indicate water damage which leads to hidden mould issues
Repeated glass breakage might show you a high potential for break-ins or even vandalism.
The claims date and claims amount indicates the extent of the damage.
Giving this information to your home inspector will provide them with better knowledge on what might be hiding behind the walls. Remember that no one really knows what's going on behind the walls of the home – getting this detail will give you a much better picture.
The iVerify report provides powerful information that in many cases is only to the benefit of the homebuyer. Buying realtors, home inspectors and mortgage brokers have a strong financial incentive to get a home sold as quickly as possible. Only the homeowner themselves has a strong incentive to ensure that they get the best possible home at the best possible price. While there are many trustworthy people in real estate, the final word in any home transaction is "caveat emptor" – buyer beware.
The process of buying a home can be confusing at times, who does what? Who is responsible for telling you what you should know about the property? What are the right questions to ask? Who will ask them for me? What do I need to know about this property? What is this property hiding? Why are they selling? Why are they REALLY selling? Are we missing something? The uncertainty and the lack of understanding can be overwhelming.
Your trusted professional is always the first and proper channel to use to get our report. We always advise homebuyers to first ask their agent or their chosen home inspector for the report. That being said you must be prepared and we mean really prepared to insist on getting it. Here are some of the objections you'll hear when you ask for an iVerify report:
I know this property and this seller and you have nothing to be worried about.
A good home inspector will tell you everything you need to know about the condition of this house
Just put an insurance clause in your purchase offer and you'll be protected
This is a great neighbourhood, don't worry about getting this information
You probably don't need this because the seller signed an SPIS or seller disclosure form, that is more than enough to protect you
This house is only a few months old you have nothing to worry about, it still has warranty
I never trust these reports, I trust my instinct and knowledge. After all I've been doing this for X years.
This is why you get a real estate professional, we are insured for things like that.
Unfortunately none of these explanations actually protect you from buying a home that has serious defects or had past drug activity. There is no insurance that fully protects you and even if there were, the insurance will not heal any health issues or refund the time you need to take to fix these problems. Property issues can happen in any house in any neighbourhood. Grow ops spring up in every demographic region – regardless of income or property value. And, most importantly, no one, regardless of their experience can tell exactly what has happened in a home unless they witnessed it.
Well wouldn't you like to know! All kidding aside, iVerify connects with hundreds of existing databases around the country to search for any data that matches the address your looking for. Here is what happens in milliseconds behind the curtain:
We validate the address input, correcting for typos and making sure what you put in is going to match what we have
We send this address against hundreds of databases across Canada
We wait and see if information is returned
If so we dissect the raw data and gather all available details
We even take the liberty to color code some events so they stand out
We reorganize all the data and display on a user friendly report for your viewing pleasure
If all goes well this will be done in less than 20 seconds!
This is by far the most popular question. Here is the short answer: Municipalities, insurance companies, police forces and other agencies across Canada hold databases with proprietary information relating to most Canadian addresses. iVerify connects you to these databases and allows a user to search an address to obtain this information in real time to permit you to make an informed decision or simply know more about your property.
Well, contrary to popular belief, no record DOESN'T mean we didn't find anything. No record means that we have searched the entire database for any trace of "a certain event" and found no trace of that event. Rest assured that if we write "no records" it's not because your address wasn't found, it's simply because our search came back clean. You can be confident that there was no hit on insurance or grow op data.
In the unlikely event no data is returned you will see the following message " One or more data sources returned no data possibly because of an unrecognized address. Please contact us for more information" you should email us immediately at info@iVerify.com. We will make sure to fix the problem ASAP.
If you see a report display with "no records" or other type of data rest assured that the process was successful. If it isn't you'll see the following message " One or more data sources returned no data possibly because of an unrecognized address. Please contact us for more information" in the improbable event you see this message on your report you should email us immediately at info@iVerify.com. We will make sure to fix the problem ASAP.
This means that iVerify could not locate any recorded data that proves there were claims on the searched property. There is a very high chance that no claims were ever recorded on that address and that no electronic traces exist. It could also mean that if you hear of any undetected occurrence it might not of been serious enough to declare to the insurance company, municipality or police force. This is a great thing – take heart that we've searched every available avenue and the property is coming up clean!
This could mean an occurrence was reported but the claim was never processed, paid or approved. It could also mean that the event wasn't repaired professionally. In the event you're purchasing a home you should inquire on the circumstances of the event and how it was rectified.