The Patina Record
FrançaisAccountCheck an address
Menu

225 Waterloo Ave, Guelph

Letter for your insurer or broker

Print this page or save it as a PDF and give it to your insurer or broker. It shows the property's heritage status with its source, and what that status does and doesn't require after a loss. Fill in the building details by hand.

Read the insurance guide

October 13, 2026

To my insurer or broker,

Re: heritage status of 225 Waterloo Ave, Guelph, Ontario

Status

According to the City of Guelph — Municipal Register of Cultural Heritage Properties (as of August 24, 2026), this property is designated under Part IV (individual property) of the Ontario Heritage Act, by-law (2026)-21242. Source: https://guelph.ca/wp-content/uploads/2026-Municipal-Register-of-Cultural-Heritage-Properties-Final.pdf#page=77

What this status requires

Designation protects the heritage attributes described in the designating by-law. Alterations that affect those attributes need a heritage permit from the municipality, and demolition needs council's consent.

It does not require the owner to rebuild a replica after a loss. In the Province's words: “The designation by-law does not require the owner to replicate any lost heritage attributes. A replacement building can be of a different design.” and “Insurance premiums should not go up because of a heritage designation.”

The building

Details insurers ask about for older buildings (filled in by the owner):

  • Electrical service (60-amp or 100-amp and up) and wiring type: knob-and-tube or aluminum wiring is a common reason for refusal:
  • Plumbing: galvanized steel pipes corrode from the inside:
  • Heating: oil tank age (over 25 years is a concern) and any wood stove (WETT inspection):
  • Roof age and condition (over 20 years raises the risk of leaks):
  • Recent upgrades, with dates, receipts and photos:

Heritage contact at the municipality

Heritage Planning, City of Guelph, heritageplanning@guelph.ca. https://guelph.ca/city-hall/planning-and-development/community-plans-studies/heritage-conservation/designating-heritage-property/

Owner:

Sources: Government of Ontario, Heritage properties and insurance (updated April 10, 2026), https://www.ontario.ca/page/heritage-properties-and-insurance. Community Heritage Ontario, ARA and University of Waterloo, Residential Property Insurance and Heritage Designation Study (June 2026). Status from The Patina Record (https://thepatinarecord.ca/property/43c1d1a4-c112-4eec-b006-fa0ddee80d76/225-waterloo-ave-guelph), which shows each municipal register with its source and date. Not legal advice; the municipality's register is the official record.