Jun 29, 2021 Are you Moving Your Parents into a Nursing Home? Do They Need Insurance?

It is possible that your current home insurance policy includes coverage for “parents in a nursing home”, but is it the right protection for your situation? It is important to review this coverage with your Rhodes & Williams Insurance Broker to confirm if it is automatically provided in your specific policy and that it is enough for your loved one’s contents and liability at their new residence. The declaration page of your insurance policy will not usually include these details, however, your Broker can easily confirm this information for you.  The coverage varies by each insurance company so it is always best to call your trusted insurance broker with your questions, to confirm you are protected. Explore…

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Mar 25, 2021 Simple Tips for your Spring Home Maintenance

Spring is in the Air It is a great time to start addressing some basic home maintenance to keep your property in good shape and avoid any costly damages that may or may not be covered under your insurance. Here are few things to consider: Roof. Now that the snow has melted, it is a good time to carefully inspect your roof and look for any missing, broken, or worn shingles. Don’t forget to also check underneath those shingles for any soft spots which could mean there is rotting wood. Although most insurance policies cover roof damage, there are can be limitations when it comes to deterioration if the damage is a result of wear and tear or neglect. Attic. While you are up there…

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Mar 18, 2021 7 tips to protect your home from basement flooding

With the climate changing and weather patterns more unpredictable than ever, flooding has become the primary concern for water damage in household basements. The potential for flooding with recent spring thaws continues to be a growing concern, with constant reports indicating higher than usual flood risks year over year. According to a report by the Faculty of Environment at the University of Waterloo, basement flooding is on the rise all across Canada. Their findings reveal that 1.7 million Canadian households are exposed to some sort of flooding risk. This is expected to result in billions of dollars of losses, with an average price tag of $43,000 per flooded basement. “More often than not, basement flooding is a result of overland flooding, infiltration…

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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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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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Sep 29, 2020 How your location affects the cost of your insurance

There’s a lot of change to navigate when you move to a new neighbourhood, from finding the best route to work to getting to know your local grocery store. But did you know that moving could also mean a change in your home and car insurance rates? Even moving from one subdivision to another within the same area could lead to an increase or decrease in your premiums. Here are some of the reasons your insurance costs might change when you move. How does your location affect your home insurance premium? These factors could have an impact on the cost of your home insurance: The age of your home: Older neighbourhoods have older sewer systems, which could potentially put you at higher risk for a sewer…

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Sep 16, 2020 Insurance coverage for your mobile phone

There’s no denying that most of us would be lost without our mobile phones. They’re our personal sidekicks, our closest connections to friends, and our family photo albums. So, when something goes wrong and your phone is stolen or damaged, the last thing you want to worry about is the cost of replacing it. This is where insurance comes in. But is your standard home insurance policy enough, or should you purchase additional cell phone coverage? We’ve got the answers to your questions, plus a breakdown of key differences between home insurance and mobile phone insurance. Does home insurance cover your cell phone? Yes. Your home, condo, or tenant insurance policy covers your phone in many different situations. Here’s what you need to…

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Jun 12, 2020 Tips for cleaning up your yard and garden for spring

With Summer almost here, you may or may not have already finished your spring cleaning. If you haven’t already started, now’s the perfect time to get started on your spring cleaning. While you’re at it, give your lawn and garden some attention, too. Keep these tips in mind as you get started: Pick up the obvious stuff first. Once the snow is all gone, you’ll likely need to go around your yard and pick up litter, dog waste, and larger plant debris (like fallen branches) left behind over the winter. Be sure to use a pair of gloves and beware of broken glass. Leaving debris on your lawn long after the snow has melted can prevent new, healthy grass from growing in.

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Sep 17, 2019 Sump Pump 101

When it comes to preventing flooding in your home, sump pumps are among the most valuable tools at your disposal, especially during heavy rainfalls or snowmelt season. Learn how sump pumps work and how you can keep yours flowing smoothly all year long.

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Sep 6, 2019 How To Prevent Flood Damage in Your Home

When water ends up where it doesn’t belong, it can do a good deal of damage — but many homeowners don’t think about preventing water damage until it’s too late. Take these 10 steps to help prevent damage to your home before it happens: 1. Seal cracks in your foundation walls and basement floors. This is a simple way to help reduce the risk of basement water damage. In most cases, existing cracks can be sealed from the inside of your home without having to dig around your foundation. 2. Install window wells and covers. Window wells, or wells dug outside a below-grade window, are typically reinforced with galvanized steel or polyethylene shields that support the earth and block debris and moisture from reaching your basement windows.

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