At L.D. Dermody Insurance Brokers, we know that peace of mind starts with the right protection, and that means understanding what your property is truly worth to rebuild. One of the most common challenges in home insurance is getting the replacement cost right. That’s why we’ve adopted Applied ezITV, a modern dwelling valuation tool designed to bring precision, speed, and confidence to every property coverage evaluation.
For Ontario homeowners, ezITV is transforming how brokers calculate replacement costs and ensure every policy accurately reflects real-world rebuilding expenses.
What Is Applied ezITV?
Applied ezITV (short for “easy Insurance-to-Value”) is a state-of-the-art valuation platform created by Applied Systems, a global leader in insurance technology. It helps brokers and insurers calculate a home’s replacement cost , the estimated amount required to rebuild the property from the ground up after a total loss.
Instead of relying solely on manual data entry or outdated appraisal methods, ezITV uses verified data sources, predictive analytics, and integration with insurer systems to deliver fast, data-driven results. For our clients, this means better accuracy and greater confidence in your Ontario home insurance coverage.
How It Works: Technology Behind the Accuracy
When our brokers perform a dwelling evaluation through ezITV, the system automatically retrieves key property information such as:
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Address and postal code
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Building size and construction style
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Exterior and roofing materials
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Heating, cooling, and plumbing systems
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Age, occupancy, and additional structures
ezITV then cross-references this information with iClarify, Canada’s leading property intelligence database. Predictive modeling fills in missing details using regional construction trends and historical data.
Our licensed insurance brokers at L.D. Dermody Insurance Brokers then review, verify, and adjust any details based on their local knowledge, ensuring your property coverage evaluation reflects the most accurate, up-to-date information available.
Why It Matters: The Importance of Insurance-to-Value
Many homeowners assume their “insured amount” automatically equals their rebuild cost, but that’s not always the case. Construction costs, labour shortages, and material prices fluctuate constantly. Without accurate evaluations, you risk being underinsured (receiving less than what’s needed to rebuild) or overinsured (paying higher premiums than necessary).
Applied ezITV helps prevent both problems by delivering a consistent, data-backed valuation for every property. The result:
✅ Your home insurance policy aligns with today’s construction realities.
✅ You get a fair, transparent estimate backed by verified property data.
✅ You avoid unpleasant surprises at claim time.
Key Benefits of Applied ezITV for Homeowners
1. Faster Quotes and Renewals
ezITV automatically fills in most of the required property data, dramatically reducing manual entry. That means you receive quotes, or renewal valuations, faster and with greater consistency.
2. Greater Accuracy and Confidence
Because ezITV integrates predictive data and iClarify verification, your dwelling replacement cost is based on reliable, up-to-date information, not generic averages or guesswork.
3. Seamless Integration with Insurers
Applied ezITV is fully compatible with Applied Rating Services and the Vertafore broker management system, both used by L.D. Dermody Insurance Brokers. This ensures that valuations, quotes, and underwriting data flow securely between systems with minimal risk of human error.
4. Clear, Transparent Reporting
Every evaluation generates a detailed report outlining construction assumptions, rebuild costs, and data sources. This gives homeowners a transparent look at how their property insurance value is determined.
5. Consistency Across Policies
With standardized, data-driven inputs, ezITV ensures consistent replacement cost estimates across similar homes, a crucial advantage for accurate underwriting and fair pricing.
Applied ezITV and Ontario Homeowners: A Perfect Fit
Ontario’s housing market is diverse, from 100-year-old heritage homes in Hamilton to modern infill properties in Burlington and Niagara. Applied ezITV’s predictive models account for these regional differences, using data specific to Ontario building codes, material costs, and construction styles.
That local adaptability means homeowners across the province can benefit from accurate, location-specific valuations, no matter the age or type of dwelling.
Whether you own a detached home, a century property, or a custom-built residence, our brokerage uses ezITV to help ensure your Ontario home insurance policy reflects your property’s real replacement cost, not just its market value.
Our Approach: Technology Meets Personal Service
At L.D. Dermody Insurance Brokers, we believe technology should enhance human expertise , not replace it. Applied ezITV gives our brokers better tools to deliver faster, more accurate valuations, but our personal service and local knowledge remain the foundation of everything we do.
We review every valuation individually, confirm key details with you, and make sure your coverage limits make sense for your specific home. ezITV simply helps us do that with greater precision and efficiency.
Why Choose L.D. Dermody Insurance Brokers?
As an independent Ontario insurance brokerage, we represent multiple insurers, not just one company. That means we can compare policies, evaluate coverage options, and ensure that your replacement cost aligns with your chosen insurer’s underwriting standards.
By pairing this flexibility with the accuracy of Applied ezITV, we deliver a smarter, more transparent insurance experience for homeowners throughout Ontario.
The Bottom Line
Applied ezITV is changing the way brokers and insurers evaluate property, bringing accuracy, speed, and confidence to every property coverage evaluation. For Ontario homeowners, it’s an invaluable step toward protecting your greatest investment against the unexpected.
At L.D. Dermody Insurance Brokers, we’re proud to integrate this powerful technology into our service model, ensuring every client gets the right coverage, not just the easiest quote.
Let’s Make Sure Your Home Is Properly Protected
If it’s been a few years since your last valuation, or if you’ve renovated your home, it may be time to update your dwelling replacement cost estimate. Contact L.D. Dermody Insurance Brokers today to schedule a review, we’ll walk you through your coverage, verify your property details, and ensure your policy reflects true rebuild values across Ontario.
📞 Call us: 905-479-1100
📧 Email: contact@lddermody.com
🌐 Visit: https://lddermody.com
