The Patina Record
FrançaisAccountCheck an address
Menu

85 David St, Kitchener

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 85 David St, Kitchener, Ontario

Status

According to the City of Kitchener — Heritage Properties (as of October 12, 2026), this property is designated under Part V (heritage conservation district) of the Ontario Heritage Act, by-law 96-91. Source: https://open-kitchenergis.opendata.arcgis.com/datasets/KitchenerGIS::heritage-properties

What this status requires

The property is in a heritage conservation district. Alterations, demolition and new construction there need a heritage permit and are guided by the district plan. The Province states that “Insurance premiums should not go up because of a heritage designation.” For how the district plan treats rebuilding after a loss, please ask the municipality (contact below).

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 Kitchener, heritage@kitchener.ca. https://www.kitchener.ca/development-and-construction/heritage-permits-and-guidelines/heritage-properties-and-districts/

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/fcaedd4a-2adf-47e8-9ebe-11e16190c9ee/85-david-st-kitchener), which shows each municipal register with its source and date. Not legal advice; the municipality's register is the official record.