krista@kristafreeborn.com
www.kristafreeborn.com


Crest Realty Westside
Independently Owned and Operated

I have listed a new property at 13226 239B ST in Maple Ridge.
Watch the horses walk past your yard from this GORGEOUS, 4 BED 4 Bath modern & classic, OPEN CONCEPT HOME w/ VAULTED CEILINGS. BACKING ON TO THE GREENBELT, your yard is lush, green, PRIVATE, w/ access to miles of HORSE & WALKING TRAILS VIA YOUR GATE! Lots of UPGRADES. Nothing to do but move in & enjoy this summer relaxing on your HUGE LOVELY DECK sipping coffee, unwinding in your luxurious $18,000 CUSTOM HOT TUB. All NEW HIGH END S/S APPLIANCES, stone counters, SMART HOME FEATURES, CROWN MOLDINGS, coiffured 9' CEILINGS, HARDWOOD floor throughout, SPA INSPIRED MASTER ENSUITE W/ SOAKER TUB will be sure to draw you indoors. New Lennox CENTRAL A/C UNIT, CUSTOM GARAGE STORAGE DESIGN, SUITE POTENTIAL, 6840 SQFT LOT!
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I have listed a new property at 13226 239B ST in Maple Ridge.
This GORGEOUS, 4 BED, 4 BATH MODERN & CLASSIC, OPEN CONCEPT home with VAULTED CEILINGS backs on to the GREENBELT with miles of HORSE & WALKING TRAILS accessible through your gate! This yard is lush, green, private & won't disappoint. Lots of UPGRADES. Nothing to do but move in & enjoy this summer relaxing on your HUGE LOVELY DECK sipping coffee, unwinding in your luxurious $18,000 CUSTOM HOT TUB. All new HIGH END S/S APPLIANCES, STONE COUNTERS, SMART HOME features, CROWN MOULDINGS, COIFFURED 9' CEILINGS, HARDWOOD floor throughout, spa inspired master ensuite with SOAKER TUB will be sure to draw you indoors. New Lennox CENTRAL AC unit, custom GARAGE STORAGE, suite potential, 6840 SQFT lot!
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I have listed a new property at 13226 239B ST in Maple Ridge.
Watch the horses walk past your yard from this GORGEOUS, 4 BED MODERN & CLASSIC, OPEN CONCEPT home with VAULTED CEILINGS. Backing on to the GREENBELT, your yard is lush, green, private, with access to miles of HORSE & WALKING TRAILS via your gate! Lots of UPGRADES. Nothing to do but move in & enjoy this summer relaxing on your HUGE LOVELY DECK sipping coffee, unwinding in your luxurious $18,000 CUSTOM HOT TUB. All new HIGH END S/S APPLIANCES, STONE COUNTERS, SMART HOME features, CROWN MOULDINGS, COIFFURED 9' CEILINGS, HARDWOOD floor throughout, spa inspired master ensuite with SOAKER TUB will be sure to draw you indoors. New Lennox CENTRAL AC unit, custom GARAGE STORAGE design, EASY TO SUITE, 6840 SQFT lot! Open Sat/Sun May 26/27, 2-4pm.
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Please visit our Open House at 13226 239B ST in Maple Ridge.
Open House on Saturday, May 26, 2018 2:00PM - 4:00PM
Watch the horses walk past your yard from this GORGEOUS, 4 BED MODERN & CLASSIC, OPEN CONCEPT home with VAULTED CEILINGS. Backing on to the GREENBELT, your yard is lush, green, private, with access to miles of HORSE & WALKING TRAILS via your gate! Lots of UPGRADES. Nothing to do but move in & enjoy this summer relaxing on your HUGE LOVELY DECK sipping coffee, unwinding in your luxurious $18,000 CUSTOM HOT TUB. All new HIGH END S/S APPLIANCES, STONE COUNTERS, SMART HOME features, CROWN MOULDINGS, COIFFURED 9' CEILINGS, HARDWOOD floor throughout, spa inspired master ensuite with SOAKER TUB will be sure to draw you indoors. New Lennox CENTRAL AC unit, custom GARAGE STORAGE design, EASY TO SUITE, 6840 SQFT lot! Open Sat/Sun May 26/27, 2-4pm.
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Please visit our Open House at 13226 239B ST in Maple Ridge.
Open House on Sunday, May 27, 2018 2:00PM - 4:00PM
Watch the horses walk past your yard from this GORGEOUS, 4 BED MODERN & CLASSIC, OPEN CONCEPT home with VAULTED CEILINGS. Backing on to the GREENBELT, your yard is lush, green, private, with access to miles of HORSE & WALKING TRAILS via your gate! Lots of UPGRADES. Nothing to do but move in & enjoy this summer relaxing on your HUGE LOVELY DECK sipping coffee, unwinding in your luxurious $18,000 CUSTOM HOT TUB. All new HIGH END S/S APPLIANCES, STONE COUNTERS, SMART HOME features, CROWN MOULDINGS, COIFFURED 9' CEILINGS, HARDWOOD floor throughout, spa inspired master ensuite with SOAKER TUB will be sure to draw you indoors. New Lennox CENTRAL AC unit, custom GARAGE STORAGE design, EASY TO SUITE, 6840 SQFT lot! Open Sat/Sun May 26/27, 2-4pm.
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I have sold a property at 104 175 1ST ST W in North Vancouver.
Make the coveted Time building your home today! This lovely, large 1 bedroom + den + office will wow you! Gas stove for the urban chef, S/S appliances, sit-up kitchen island, beautiful new flooring, gas fireplace for chilly nights. Two patios with key lock door for easy townhouse-style access. Dog owners, these patios are dreamy. The best location in Lower Lonsdale! Two minute walk to the Lonsdale Quay & sea bus for easy access to downtown. Walk everywhere, leave your car at home. Experience the great vibe of restaurants, cafes, coffee shops, art galleries, movie theatres on foot. One dog or 1 cat allowed. Rentals allowed, 1 year min. One parking & 1 locker. Make your dreams come true!
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Please visit our Open House at 104 175 1ST ST W in North Vancouver.
Open House on Sunday, March 18, 2018 2:00PM - 4:00PM
Make the coveted Time building your home today! This lovely, large 1 bedroom + den + office will wow you! Gas stove for the urban chef, S/S appliances, sit-up kitchen island, beautiful new flooring, gas fireplace for chilly nights. Two patios with key lock door for easy townhouse-style access. Dog owners, these patios are dreamy. The best location in Lower Lonsdale! Two minute walk to the Lonsdale Quay & sea bus for easy access to downtown. Walk everywhere, leave your car at home. Experience the great vibe of restaurants, cafes, coffee shops, art galleries, movie theatres on foot. One dog or 1 cat allowed. Rentals allowed, 1 year min. One parking & 1 locker. Make your dreams come true!
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I have sold a property at 504 55 CORDOVA ST E in Vancouver.
Here is your chance to own in the coveted Koret Lofts! This New York style, heritage, live/work loft is architecturally amazing! The Wow factor is immediate with it's ocean & mountain views, 16' ceilings, brick walls, exposed wood beams, concrete floors, separate sleeping area, sexy bathtub & walk through shower. Alda Pereira Design hits the mark for her artistic talent with Koret Lofts! Easily convert this loft into a 2 bedroom modern home if desired. Parking included, pets & rentals allowed. Whether you are looking for a home, an investment, or a combo live/work space, this trendy Gastown loft won't disappoint! OPEN HOUSE CANCELLED.
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Please visit our Open House at 104 175 1ST ST W in North Vancouver.
Open House on Saturday, March 10, 2018 2:00PM - 4:00PM
Make the coveted Time building your home today! This lovely, large 1 bedroom + den + office will wow you! Gas stove for the urban chef, S/S appliances, sit-up kitchen island, beautiful new flooring, gas fireplace for chilly nights. Two patios with key lock door for easy townhouse-style access. Dog owners, these patios are dreamy. The best location in Lower Lonsdale! Two minute walk to the Lonsdale Quay & sea bus for easy access to downtown. Walk everywhere, leave your car at home. Experience the great vibe of restaurants, cafes, coffee shops, art galleries, movie theatres on foot. One dog or 1 cat allowed. Rentals allowed, 1 year min. One parking & 1 locker. Make your dreams come true!
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Please visit our Open House at 104 175 1ST ST W in North Vancouver.
Open House on Sunday, March 11, 2018 2:00PM - 4:00PM
Make the coveted Time building your home today! This lovely, large 1 bedroom + den + office will wow you! Gas stove for the urban chef, S/S appliances, sit-up kitchen island, beautiful new flooring, gas fireplace for chilly nights. Two patios with key lock door for easy townhouse-style access. Dog owners, these patios are dreamy. The best location in Lower Lonsdale! Two minute walk to the Lonsdale Quay & sea bus for easy access to downtown. Walk everywhere, leave your car at home. Experience the great vibe of restaurants, cafes, coffee shops, art galleries, movie theatres on foot. One dog or 1 cat allowed. Rentals allowed, 1 year min. One parking & 1 locker. Make your dreams come true!
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I have listed a new property at 504 55 CORDOVA ST E in Vancouver.
Here is your chance to own in the coveted Koret Lofts! This New York style, heritage, live/work loft is architecturally amazing! The Wow factor is immediate with it's ocean & mountain views, 16' ceilings, brick walls, exposed wood beams, concrete floors, separate sleeping area, sexy bathtub & walk through shower. Alda Pereira Design hits the mark for her artistic talent with Koret Lofts! Easily convert this loft into a 2 bedroom modern home if desired. Parking included, pets & rentals allowed. Whether you are looking for a home, an investment, or a combo live/work space, this trendy Gastown loft won't disappoint! Open house Sat/Sun March 10 & 11th, 2:30-5pm.
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Please visit our Open House at 504 55 CORDOVA ST E in Vancouver.
Open House on Saturday, March 10, 2018 2:30PM - 5:00PM
Here is your chance to own in the coveted Koret Lofts! This New York style, heritage, live/work loft is architecturally amazing! The Wow factor is immediate with it's ocean & mountain views, 16' ceilings, brick walls, exposed wood beams, concrete floors, separate sleeping area, sexy bathtub & walk through shower. Alda Pereira Design hits the mark for her artistic talent with Koret Lofts! Easily convert this loft into a 2 bedroom modern home if desired. Parking included, pets & rentals allowed. Whether you are looking for a home, an investment, or a combo live/work space, this trendy Gastown loft won't disappoint! Open house Sat/Sun March 10 & 11th, 2:30-5pm.
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Please visit our Open House at 504 55 CORDOVA ST E in Vancouver.
Open House on Sunday, March 11, 2018 2:30PM - 5:00PM
Here is your chance to own in the coveted Koret Lofts! This New York style, heritage, live/work loft is architecturally amazing! The Wow factor is immediate with it's ocean & mountain views, 16' ceilings, brick walls, exposed wood beams, concrete floors, separate sleeping area, sexy bathtub & walk through shower. Alda Pereira Design hits the mark for her artistic talent with Koret Lofts! Easily convert this loft into a 2 bedroom modern home if desired. Parking included, pets & rentals allowed. Whether you are looking for a home, an investment, or a combo live/work space, this trendy Gastown loft won't disappoint! Open house Sat/Sun March 10 & 11th, 2:30-5pm.
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Please visit our Open House at 104 175 1ST ST W in North Vancouver.
Open House on Saturday, February 17, 2018 2:00PM - 4:00PM
Make the coveted Time building your home today! This lovely, large 1 bedroom + den + office will wow you! Gas stove for the urban chef, S/S appliances, sit-up kitchen island, beautiful new flooring, gas fireplace for chilly nights. Two patios with key lock door for easy townhouse-style access. Dog owners, these patios are dreamy. The best location in Lower Lonsdale! Two minute walk to the Lonsdale Quay & sea bus for easy access to downtown. Walk everywhere, leave your car at home. Experience the great vibe of restaurants, cafes, coffee shops, art galleries, movie theatres on foot. One dog or 1 cat allowed. Rentals allowed, 1 year min. One parking & 1 locker. Open house Saturday Feb 17, 2-4pm. Make your dreams come true!
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Please visit our Open House at 104 175 1ST ST W in North Vancouver.
Open House on Sunday, February 11, 2018 2:00PM - 4:00PM
Make the coveted Time building your home today! This lovely, large 1 bedroom + den + office will wow you! Gas stove for the urban chef, S/S appliances, sit-up kitchen island, beautiful new flooring, gas fireplace for chilly nights. Two patios with key lock door for easy townhouse-style access. Dog owners, these patios are dreamy. The best location in Lower Lonsdale! Two minute walk to the Lonsdale Quay & sea bus for easy access to downtown. Walk everywhere, leave your car at home. Experience the great vibe of restaurants, cafes, coffee shops, art galleries, movie theatres on foot. One dog or 1 cat allowed. Rentals allowed, 1 year min. One parking & 1 locker. Open house Sunday Feb 11, 2-4pm. Make your dreams come true!
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I have listed a new property at 104 175 1ST ST W in North Vancouver.
Make the coveted Time building your home today! This lovely, large 1 bedroom + den + office will wow you! Gas stove for the urban chef, S/S appliances, sit-up kitchen island, beautiful new flooring, gas fireplace for chilly nights. Two patios with key lock door for easy townhouse-style access. Dog owners, these patios are dreamy. The best location in Lower Lonsdale! Two minute walk to the Lonsdale Quay & sea bus for easy access to downtown. Walk everywhere, leave your car at home. Experience the great vibe of restaurants, cafes, coffee shops, art galleries, movie theatres on foot. One dog or 1 cat allowed. Rentals allowed, 1 year min. One parking & 1 locker. Open house Saturday Feb 3, 2-4pm. Make your dreams come true!
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Please visit our Open House at 104 175 1ST ST W in North Vancouver.
Open House on Saturday, February 3, 2018 2:00PM - 4:00PM
Make the coveted Time building your home today! This lovely, large 1 bedroom + den + office will wow you! Gas stove for the urban chef, S/S appliances, sit-up kitchen island, beautiful new flooring, gas fireplace for chilly nights. Two patios with key lock door for easy townhouse-style access. Dog owners, these patios are dreamy. The best location in Lower Lonsdale! Two minute walk to the Lonsdale Quay & sea bus for easy access to downtown. Walk everywhere, leave your car at home. Experience the great vibe of restaurants, cafes, coffee shops, art galleries, movie theatres on foot. One dog or 1 cat allowed. Rentals allowed, 1 year min. One parking & 1 locker. Open house Saturday Feb 3, 2-4pm. Make your dreams come true!
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I have sold a property at 709 288 1ST AVE W in Vancouver.
Developed by Cressey Developments, & award winning Rafii Architects, this LEED Silver building has it all! Rarely available 2 bed + den + flex corner unit has fabulous ocean, mountain, & downtown views, N/E/S exposure bringing in lots of light, a great floorplan w/ open concept living, separated bedrooms, balcony w/ great views! Contemporary finishings include Fagor gas cooktop & wall oven, integrated Blomberg fridge/freezer & dishwasher blends in with the cabinets, stone counters, appliance cabinets, 5" wide engineered hardwood, frameless glass shower doors, black out curtains. Air con, community veggie roof garden, amazing roof deck & party room, gym, steam room, sauna, children's play area. Parking & locker. Call me today!
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I have listed a new property at 709 288 1ST AVE W in Vancouver.
Developed by Cressey Developments, & award winning Rafii Architects, this LEED Silver building has it all! Rarely available 2 bed + den + flex corner unit has fabulous ocean, mountain, & downtown views, N/E/S exposure bringing in lots of light, a great floorplan w/ open concept living, separated bedrooms, balcony w/ great views! Contemporary finishings include Fagor gas cooktop & wall oven, integrated Blomberg fridge/freezer & dishwasher blends in with the cabinets, stone counters, appliance cabinets, 5" wide engineered hardwood, frameless glass shower doors, black out blinds. Air con, community veggie roof garden, amazing roof deck & party room, gym, steam room, sauna, children's play area. Parking & locker. Call me today!
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PROTECT YOURSELF: STRATA WATER DEDUCTIBLE REVIEW REMINDER
WEBSITE OPTIONSThe majority of strata Annual General Meetings are coming up over the next few months presenting an ideal opportunity for strata lot owners to verify that their home owner insurance policy water deductible coverage matches that of the strata corporation's master building policy and if not advise their insurance broker immediately. 

The BC Strata Property Act requires that any AGM Notice includes a copy of the strata corporation's insurance policy summary. This summary page will include a notation on what the building’s current water deductible amount is. Depending on any resultant water damage claims filed in the past policy year and the extent of damage, this deductible amount can increase to a staggering amount from the previous year. It is not uncommon for strata's today to have a deductible in the $50,000 to $100,000 range from the days of when they were $5,000 to $25,000.  

WHY IS THIS IMPORTANT TO YOU AS A STRATA OWNER?
Deductible assessment coverage is an additional coverage that has become increasingly important in light of the increasing cost and frequency of resultant water damage claims. For example, if the building is damaged due to a water leak, the strata corporation would generally file a water damage claim with its own insurance company.
Section 158 of the Strata Property Act states that the insurance deductible in respect of a claim is a common expense, but the strata corporation may sue an owner in order to recover the deductible portion of an insurance claim if the owner is responsible for the loss or damage that gave rise to the claim. Two landmark BC court decisions in 2007 determined that the strata corporation need not prove negligence in order to determine owners' responsibility. A strata corporation may sue a strata lot owner to recover the insurance deductible even though the owner was not negligent and merely caused or brought about the events that resulted in the damage.

To remove ambiguity and potentially save on future legal expenses, some strata corporations have passed bylaws that clarify that owners are strictly liable for damage to common property that originates in their units.

CONCLUSION
It is therefore important that all strata owners review the building policy and advise their insurance broker of the building deductible amounts to ensure their unit policy includes sufficient coverage for all building deductibles including water damage. This information is included in the insurance summary report within the NOTICE of Annual General Meeting that strata corporations are required to provide strata lot owners prior to the Annual General Meeting. Some strata buildings due to frequent or a single extensive resultant water damage claim are now facing water damage deductibles of $50,000 to $100,000.

ADDITIONAL COVERAGE FOR YOU TO CONSIDER
Additional coverage riders available to strata unit owners that are well worth considering are:
  • Increased unit improvements and betterments coverage insures upgrades to the unit a
  • Loss assessment coverage typically pays the owner's share to cover major property and liability losses on common property that may exceed the strata corporation's policy limits.
  • Request your insurance broker to advise you of any other additional riders that you should consider.
SOURCE: Insurance Brokers Association of BC
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