FAQs • Lacombe, AB • CivicEngage

Will designation lead to my home insurance increasing?: The short answer is, no, it shouldn’t. That said, heritage groups across Canada have found that insurance providers have many misunderstandings about what designation means, particularly as different levels of designation (ie municipal vs provincial) involve different processes. Two large assumptions from insurers are that replacement must involve exact materials with which elements were originally built (often assuming high costs and specialty contractors) and that in the unfortunate case of destruction 100% replacement is required. At this time, the insurance industry is undergoing surveys and research that are expected to streamline the understanding of insurance implications. At the Municipal level, the HRC expects work of any kind to adhere to guidelines outlined in the Standards & guidelines for the Conservation of Historic Places in Canada. We encourage owners of designated properties to contact us about any concerns as our primary goal is to ensure the long life of Lacombe’s historic places.

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Heritage Resource Committee - Designating and Restoring a Historic Resource

1. Does designation prevent renovations to a property?: Absolutely not. Designation protects specific features listed in a site’s Statement of Significance, and these Character Defining Elements are generally exterior features. Interior work, such as bathroom or kitchen upgrades and renovations, will face no extra bureaucracy or red tape compared to a typical property. Sometimes interior elements, such as tin ceilings in a commercial property, are listed in the SOS, so that specific element would have to be preserved. Larger scale work, such as building additions, is also possible. If designated, any work requiring a City building permit would require HRC approval.

2. Will it be hard to sell my property in the future?: There are many factors that go into decision-making in purchasing a house. We have found that the owners of heritage properties almost always have great pride in their property and sought it out specifically for its heritage characteristics. People looking to buy a heritage site often are the same sort of individuals – they are looking for a heritage site to care for and take pride in. The added element of formal designation rarely affects the resale price. Heritage BC collected statistics from several reports and found 97.8% of heritage properties in Canada did as well or better than non-heritage properties in the real estate market. It is, however, important to retain a real estate agent who understands what designation means and does not make any false assumptions.

3. Will designation lead to my home insurance increasing?: The short answer is, no, it shouldn’t. That said, heritage groups across Canada have found that insurance providers have many misunderstandings about what designation means, particularly as different levels of designation (ie municipal vs provincial) involve different processes. Two large assumptions from insurers are that replacement must involve exact materials with which elements were originally built (often assuming high costs and specialty contractors) and that in the unfortunate case of destruction 100% replacement is required. At this time, the insurance industry is undergoing surveys and research that are expected to streamline the understanding of insurance implications. At the Municipal level, the HRC expects work of any kind to adhere to guidelines outlined in the Standards & guidelines for the Conservation of Historic Places in Canada. We encourage owners of designated properties to contact us about any concerns as our primary goal is to ensure the long life of Lacombe’s historic places.