Encompass Home System Warranty Program

This complimentary benefit is available with most new Creative Arts Financial mortgages, including MeritLine Home Equity Lines of Credit. You may be eligible if you’re renewing your mortgage and still need to receive the free protection period. Look for the enrollment clause in your mortgage commitment or renewal documents. You’ll receive a Warranty Certificate detailing the program’s benefits upon closing or renewing your mortgage.

Following the initial year, a minimal program fee of only $19.99 monthly (plus applicable taxes) will seamlessly integrate into your mortgage payments. Encompass Home Service manages all services, and you can cancel your participation in the Encompass Home System Warranty Program at any time.

Your coverage will begin on your mortgage closing date if you have checked ‘Yes’ and signed the enrollment form.

No. Creative Arts Financial members can participate in the program on a pre-approved basis. No inspection is required, although it is a requirement that all home systems are in working order at the time of mortgage closing.

No. You’ll pay only the $50 deductible.

The program is designed to provide repair services for spontaneous breakdowns of your home’s systems. It does not include services for problems where the underlying cause is:

• Rust or corrosion;
• An external act including natural and electrical events and/or anything caused by a person;
• Failure to perform routine maintenance as specified by the manufacturer;
• Improper installation, improper use, improper construction, alteration, modification, addition to or deletion from any home system or use in a manner other than as approved or recommended by the manufacturer;
• Inadequacy or lack of capacity of any item;
• Freezing or heating of plumbing system;
• Structural defects, latent defects and/or asbestos, lead or the disposal of refrigerants, contaminants, or other hazardous materials;
• Any dishonest act;
• Violations of building codes or by-laws.

Please note the warranty program also doesn’t cover any consequential loss or damage or anything else already covered by your homeowner’s insurance policy. If you live in a condo, the warranty program does not cover loss or damage to or from other condo units, common areas, or any other loss or damage that is the responsibility of your condominium corporation.

To make a claim under the Encompass Home System Warranty Program, you can call the Encompass 24-hour claim service at 1‑866‑217‑5993. For general inquiries regarding your coverage, you may email helpme@encompasshomeservice.com.