Mar 11, 2021 The top 5 pandemic-related scams you need to know about

Are we more vulnerable to fraud due to the pandemic? We would argue yes, as fraudsters have become more intrusive and are very skillful at deciding who to target. Criminals have always preyed on those who may be showing signs of perceived weakness. Those experiencing isolation as we enter into year two of the pandemic and others who are spending more time online shopping have not gone unnoticed by scammers. According to Interac, the most commonly-reported scams happen over the phone (27%), via email (23%) and text scams (20%). Yet let’s be clear, these aren’t your everyday scams, fraudsters have gotten more sophisticated and we all need to stay alert. Here is what you need to watch out for 1.

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Mar 5, 2021 Water & Sewer Line Coverage – What You Should Know About the City of Ottawa Offer?

Residents of Ottawa are receiving notices from the city about their new partnership with a company offering an ‘affordable repair plan’ for homeowner’s water and sewer service lines. Our brokers are receiving many inquiries from customers asking for help understanding how their home insurance might provide the coverage. Let’s see if we can help shed some light for you. What is this about? As the infrastructure within the city of Ottawa ages, so do the lines and pipes that run to your home. The city is rightfully notifying residents of the potential exposure that would occur from a break or leak. The City of Ottawa has partnered with a company, called Service Lines Warranties of Canada (SLWC), a US based company and, from what…

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Mar 4, 2021 7 tips for safer night driving

It’s no secret that driving at night can be more dangerous than driving during the day. When you’re fighting poor visibility, sleepiness, and distracted drivers, it can be a challenge to avoid all of the risks around you. While you’d likely rather stay off the road completely, there’s often no way to avoid driving in the dark. Whether you’re a new driver or a seasoned veteran, you can use these practical tips to drive safely long after the sun goes down: Be extra defensive. The number one rule we’re taught in driving school is to always be defensive — you need to stay alert, follow all road rules and signs, and be ready to respond to other drivers who may do something unexpected. At night, you…

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Feb 23, 2021 10 ways winter weather can damage your home

Winter weather in Canada can be unpredictable to say the least. In some areas, it’s not unusual to see extreme cold, freezing rain, snow squalls, windstorms, and a sunny day above zero degrees all in the same week. Unfortunately, drastic changes in weather and temperature can damage your home, so it’s important to take some precautionary measures to protect it. Here are 10 common issues to watch out for this winter, plus tips to avoid damage to your home: Roof leaks. During the winter, poor insulation and ventilation in your roof can allow warm air to rise from the heated areas of your home and melt any snow that has built up on your roof. The melted snow can then drip down to the colder edge…

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Feb 4, 2021 Does home insurance cover mould?

The short answer is no, home insurance typically doesn’t cover mould. In fact, most home insurance policies list specific exclusions for mould. However, there are certain situations where your policy may have your back in the event that mould develops in your home. Find out why home insurance typically doesn’t cover mould and learn about the exceptions to that rule. Why doesn’t home insurance cover mould? Home insurance is designed to protect you when your home is damaged by a sudden or accidental event, and it generally doesn’t include coverage for wear-and-tear or preventable maintenance issues. Mould typically grows over time and can be prevented by properly taking care of your home and maintaining the right moisture level, so it generally can’t be considered “sudden or accidental.”…

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Jan 27, 2021 Tips for taking care of your mental health through COVID-19 and beyond

The COVID-19 pandemic has affected many of us in our day-to-day lives, and it will likely leave a lasting impact after it ends. It’s extremely important to take care of your mental health during this challenging time. Here are some tips that might help: Limit the information you’re taking in about COVID-19. Choose a couple of credible sources of pandemic-related information (like the Government of Canada, the World Health Organization, or your local public health authority) and focus on those. Taking in too much information from sources that might not be credible can cause unnecessary stress and confusion.Experiment with different stress reduction techniques. If you’re feeling particularly anxious, deep breathing and grounding exercises can help. Consider trying one of these methods:Box…

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Jan 18, 2021 5 mistakes homeowners make when buying insurance & how to avoid them

When it comes to buying home insurance, there are a few mistakes that are easy to make. From underinsuring your home or belongings to expecting coverage for things that simply aren’t included in your policy, we’re here to help you avoid these mistakes so you can be confident in your coverage when the unexpected happens. Basing your policy limit on your home’s market value When you’re buying a home insurance policy, you might think it makes sense to base your coverage limit on the market value of your home. But in reality, the cost of the materials and labour required to rebuild your house could be significantly higher than its market value — so you could be left underinsured in the event that your home…

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Jan 8, 2021 How does building a skating rink in your backyard affect your home insurance?

The backyard skating rink is a beloved tradition for families across the country. It calls to mind memories of lacing up skates on chilly winter nights, shooting the puck around with friends, then sipping hot cocoa and snuggling up by a crackling fire. If you’re tempted to bring back your childhood in the form of a DIY ice rink, it’s important to understand what is and isn’t covered under your home insurance policy and take the right measures to protect yourself in case anything goes wrong. Building a skating rink in your yard is a liability risk Like a swimming pool, a skating rink increases the chances of someone getting injured on your property or causing damage to a neighbour’s property. What if someone…

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Dec 30, 2020 Do you leave things until the last minute?

Some people procrastinate because they get an adrenaline rush out of living life on the edge. Others have simply made a habit of it. Leaving everything until the last minute is a way of life for many people. Those who tend to procrastinate are not able to go about their business any differently, no matter how much they try to organize their time. Other people may enjoy the adrenaline rush they get from this, whether they realize it or not. Changes Changes to your insurance policy should not be left until the last minute, no matter if you are a procrastinator or an adrenaline junkie. There may be factors that could affect your Rhodes & Williams insurance broker’s ability to secure the proper insurance coverage for…

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Dec 17, 2020 Before, during, and after an ice storm

If you live Canada (and especially if you live in Ontario, Quebec, or the Atlantic provinces), you’ve probably witnessed a few major ice storms in your lifetime. Ice storms are caused by freezing rain, which occurs when raindrops fall from a warm layer of air into air that is below freezing and become supercooled. When the supercooled drops hit a surface that’s below 0º, they freeze instantly and form a layer of ice. But while those glistening, ice-coated trees might look beautiful from the comfort of your heated home, ice storms can lead to widespread power outages and cause serious damage to homes, trees, and power lines. Keep these tips in mind before, during, and after an ice…

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