Apr 18, 2019 A Car Crashed in to My House – Who Pays?
The Headline at CBC news Ottawa reads, “SUV narrowly misses man — in his living room”. Picture it in your mind….. You are sitting on your couch watching the news. Maybe your mind is on the story you are watching on the television, or maybe you are thinking about the family dinner you are starting to plan for the Easter Weekend. Should you do turkey, ham or….SMASH, CRASH, BOOM!!! It is a scary thought. As I was reviewing related tweets in the following days, I started to see the question asked…. “I wonder who pays for the damage to the house –…Read More
Apr 16, 2019 Damaged Tree Replacement Grant
Did last years tornadoes destroy your trees? Residents in the Ottawa-Gatineau region can now get grants to replace their damaged trees from last year’s tornadoes. Tree Canada, Canada’s leading national tree charity, is supporting Ottawa-Gatineau residents replace trees lost from last September’s devastating tornadoes through its Operation ReLeaf Ottawa-Gatineau Tornadoes program, an ambitious greening initiative which provides funding to affected residents to re-plant trees on their property. Tree Canada’s program, in cooperation with the City of Ottawa, Ecology Ottawa, the Ville de Gatineau and le Conseil régional de l’environnement et du développement durable de l’Outaouais (CREDDO), will provide up to $300 in funding to private landowners (i.e. residences, condominiums, institutional) who own/manage a property and who had individual trees destroyed by the…Read More
Mar 12, 2019 Does Insurance Cover Flooding? Is it Considered an Act of God?
I asked Twitter if anyone had real estate questions that they would like answered. One question was: “What is covered and what is not covered when it comes to insurance and flooding… and what is considered an Act of God.” I am not an Insurance Broker, so I reached out to the Insurance experts at Rhodes & Williams Insurance Brokers, and here’s their response in full! (Thanks, Brian!) Peggy Blair Sales Representative Royal LePage Team Realty ___________________________________ Hi Peggy, and thanks for reaching out with this question from your readers. It is very important for homeowners and tenants to fully understand their home insurance coverage. With changing extreme weather patterns, questions around flooding is a common question these days. So, what is covered…Read More
Feb 14, 2019 Insuring your Diamond Rings and Fancy Things
Chocolate, flowers, and jewelry are some of the most common gifts given each Valentine’s Day. Jewelry tends to be one the biggest seller for this romantic holiday. Whether that special person in your life is your girlfriend, wife, mother, sister or just someone you admire, one of a kind jewelry with meaning can be the perfect token. Did you know your home insurance policy could have you covered if someone broke into your gym locker and stole your shiny new watch or diamond ring? Home insurance can cover you in more ways than you’d expect, especially when it comes to protecting your jewelry and other prized possessions — but it’s important to learn about your policy’s limits and exclusions. Plus, take a few simple…Read More
Feb 13, 2019 Why Are My Insurance Rates Going Up?
5 Reasons why…and what you can do about it If you have been asking yourself, “Why are my rates going up?” lately, you’re not alone. The home insurance and car insurance industry is going through very turbulent times. Canadian insurance companies are looking long and hard to improve results of recent years and the byproduct, at least in the short term, is increased rates for clients. The reality is that insurance rates have not kept up with claims trends and insurers are not able to continue renewing risks at a loss. Without changes to the cost of providing insurance to clients, the only solution is rate movement on both car and home policies. But what’s the cause? Let’s focus in on the 5 Reasons why…Read More
Feb 6, 2019 How to Keep That Dammed Ice Off Your Roof
Those glistening icicles hanging from your roof may give your home that quaint, wintery look you’ve come to love, but they could also be trying to tell you that something isn’t quite right. Icicles can be a telltale sign that an ice dam has formed on your roof, preventing melting snow from escaping through the eavestroughs — and possibly causing damage to your roof and other components of your home’s construction. Learn exactly how ice dams form and what you can do to stop them in their tracks. How ice damming works An ice dam is a buildup of ice that traps melting snow on your roof, stopping it from running into your eavestroughs and away from your home. This can cause your roof…Read More
Jan 17, 2019 10 Essential Safety Tips for Snowmobilers
If you snowmobile, that dusting of fresh powder outside may be calling your name — but it’s important to keep safety in mind to avoid any mishaps and make sure you return to the cabin in one piece. Take note of these safety tips and watch the video below to learn your hand signals before you hit the trails. 1. Dress for success. Dress in layers, with well-insulated, wind- and water-proof gear on top and moisture-wicking materials underneath. If you snowmobile often, you may want to purchase a snowmobile suit instead of wearing a regular snow suit. You should also have a well-fitting helmet, gloves, boots, and eye protection (like a visor or goggles). Avoid wearing naturally absorbent fibres like cotton when you snowmobile, as…Read More
Jan 10, 2019 Does the Auto Insurance System in Ontario Need to Change?
This is the question currently being contemplated by the Ontario government. They are inviting drivers and consumers to share their views on how to lower the province’s auto insurance rates, part of a broader initiative on auto insurance reform. I do not intend to give a complete background on the issue or opinions on everything that needs to be fixed, or I would lose all readers by the 100th page! For a very brief background on the issue, visit “Ontario wants to hear from Consumers about How to Lower Auto Rates” and when done reading this document, visit Here to fill out the very brief survey and have your say. I would like to give you my opinion on a…Read More
Dec 14, 2018 Canada’s Top 10 Stolen Vehicles in 2018
The Insurance Bureau of Canada (IBC) released its annual list of Canada’s most frequently stolen vehicles, which is compiled using data from its members across the country. Once again, the Ford F-Series trucks topped the list. These light- and medium-duty trucks are popular with auto thieves across Canada. Henry Tso, Vice-President, Investigative Services, IBC, offers the following insights on the five Ws of auto theft. What is being stolen? Nationally, Ford F350 trucks hold the top five spots. In Ontario, thieves target high-end SUVs and trucks, including Chevrolet’s Tahoe, Silverado and Suburban. In Alberta, once again Ford’s F250s and F350s dominate the list. In Atlantic Canada, the Nissan Maxima is stolen most often, followed by the Chevy Silverado and Jeep Liberty. Where…Read More
Dec 6, 2018 80% of Canadian Drivers Believe Winter Tires Saved Them from a Potentially Hazardous Driving Situation
Canadian Drivers Believe Winter Tires Saved Them Eighty per cent of winter tire owners believe driving a vehicle equipped with winter tires has saved them from being involved in a potentially hazardous driving situation such as loss of control or a collision, according to a new consumer survey commissioned by the Tire and Rubber Association of Canada (TRAC). “Canadian drivers who have embraced winter tires have spoken and provided this very telling insight,” says Glenn Maidment, President of TRAC. “They confirmed what we already know—that the superior performance of winter tires has a place in Canada, and that their greater grip and significantly shorter stopping distances on all cold-weather road surfaces keep Canadians safer on winter roads.” TRAC’s 2018 Canadian Consumer Winter Tire Study also…Read More