May 10, 2019 15 Items Your Home Insurance Might Not Cover

You count on your home insurance to protect you when you need it most — and when you’re dealing with an emergency, the last thing you want to worry about is whether or not all of your belongings will be covered. The good news is, the majority of your stuff is probably covered by your standard home, tenant, or condo insurance policy. But there are some items that your policy may specifically exclude, and others that might come with special limits. If you take the time to familiarize yourself with the types of items that typically aren’t covered by home insurance, you can talk to your broker and make sure you get the protection you need before you need it.  Items that aren’t typically covered by home…

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May 9, 2019 Ontario Government Activates Disaster Recovery Assistance to Support Residents in the Ottawa River Area

May 7, 2019 11:00 A.M. TORONTO – Our government is acting swiftly and notifying the municipalities of Ottawa, Clarence-Rockland, Champlain and Alfred and Plantagenet that we have activated the Disaster Recovery Assistance for Ontarians program in areas affected by recent overland flooding from the Ottawa River. The safety of those affected by this natural disaster is our government’s top priority. Heavy rainfall and snow melt have led to severe flooding across eastern Ontario. The municipalities of Ottawa, Clarence-Rockland and Alfred and Plantagenet have declared a state of emergency due to flooding. Several hundred primary homes and small businesses in the municipalities have been impacted. The City of Ottawa reported that 155 households at risk from rising water were voluntarily evacuated as water levels in the…

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Apr 30, 2019 What Information Do I Need to Provide When Making a Home Insurance Claim?

Dealing with an emergency at home is never easy, whether it’s a fire, break-in, or flood. Thankfully, your home insurance policy is there to protect you and your family when you need it most. Keeping track of some important information before, during, and after an incident can make for a smoother claims process and help you feel at home again as quickly as possible. When you make a home insurance claim, you could be asked to provide any of the following information: Details about the incident: a description of what happened in your own words; whether or not the incident may have been caused by a faulty product (e.g., faulty plumbing parts or electrical wiring) — if possible, keep the faulty item for the adjuster to inspectDamage…

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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 –…

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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…

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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…

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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…

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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…

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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…

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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…

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