Polar Vortex? 5 Tips for Driving & Car Safety – Plus : Free Coverages and Discounts You May Want To Know About

By |January 10th, 2014|

The New Year rang in with extreme cold and low temperatures, a complete turn around from the milder weather that put tens of thousands in Eastern Canada at risk from the Ice Storm and power outages just a week ago. As the weather changes, driving is often dangerous. We covered some safe driving tips with […]

Ice Storm Leaves Tens of Thousands Without Power – Tips to Stay Safe and Cut Your Losses | Will Insurance Pay #IceStorm2013

By |December 25th, 2013|

Although it is the holiday season and many have celebrated a warm and happy Christmas, there are still tens of thousands without power in Toronto.

We’ve put together the following information to help with some tips on how to stay safe, as well as help you understand what resources you may have in regard to […]

Tips to Making Your Holidays Bright While Preventing Fire In Your Home

By |December 22nd, 2013|

For many the holiday season is about spending time with family, reflecting on the year past or setting goals for the future. Every year thousands of people are injured due to fire, and there are hundreds of millions of dollars in property damage due to fires. According to NFPA statistics, most holiday related fires in the home break out after Christmas Day and one of every 40 reported home structure Christmas tree fires resulted in a death compared to an average of one death per 142 total reported home structure fires.
We’d like to help you keep your family safe this holiday season.

What are your favorite holiday traditions? What kinds of tips would you add to help everyone keep safe?

Facts about Holiday Fires

32% of home Christmas Tree fires affecting home (structures) were due to electrical failures or malfunctions
One in six (17%) occurred because some type of heat source was too close to the tree.
Decorative lights on line voltage were involved in 12%
7% percent of home Christmas tree fires were started by candles.

Source: November 2013 report: NFPA’s “Home Christmas Tree and Holiday Light Fires”

The lights on the Christmas tree.
Many people think that because they have an artificial tree, that their risks for fire are lessened. This is false. Whether you have a natural or artificial tree, there are still very serious fire risks.

If you buy an artificial tree, make sure that it is fire resistant – not all trees are.
Natural trees require regular watering, your tree should never feel dry to the touch, this then becomes a major fire hazard. Whether or not you have those LED lights, a dry tree can go up in flames quickly. Do not take the risks.

A demonstration showing how flammable a dry Christmas tree can be as opposed to a tree watered regularly.

Candlelight makes for beautiful ambiance during the holidays and is part of many holiday traditions.
Use caution when using candles, and always keep them in sight.

Trim the wick to ¼ inch each time before burning a candle. Long or crooked wicks can cause uneven burning, dripping or flaring.
Avoid drafts, vents or air currents. This will help prevent rapid or uneven burning, sooting, and excessive dripping.
Don’t burn a candle all the way down. For a margin of safety, discontinue burning a candle when 2 inches of wax remains (1/2 inch if in a container).
Extinguish a candle if it smokes, flickers repeatedly, or the flame becomes too high. The candle isn’t burning properly and the flame isn’t controlled. Let the candle cool, trim the wick, then check for drafts before re-lighting.
Place burning candles at least three inches apart from one another. This is to make sure they don’t melt one another, or create their own drafts that will cause the candles to burn improperly.
Keep candles out of the reach of children and pets.
According to the National Candle Association, nearly 10,000 residential fires are caused each year by the careless or inappropriate use of candles. Click here for a complete list of candle safety rules or download a PDF.

Don’t forget about: Electrical Fire Hazards […]

Are you traveling with children for the holidays?

By |December 21st, 2013|

Are you traveling with children during the holidays? Passport Canada has a section for Children and travel filled with important information and tips to make your trip easier.

 Here are some more tips when travelling with children.

VIDEO QUIZ: Are you a winter driving pro or just learning? Quick Tips to Keep You Safe On the Road – How do you score?

By |December 18th, 2013|

We all wish summer would last forever, especially in provinces where the temperature drops below zero and we face heavy snowfall for several months out of the year. If you have lived in Canada, you know what it is to have to battle the snow on the roads. Here is the first in our series […]

From our claims file: Minor car accident in Ontario

By |December 12th, 2013|

The claim is still open because the insurer is subrogating against the vehicle manufacturer.

Claim Description: In September, 2013 an Ontario auto policy client was involved in a minor accident,  she rear-ended a vehicle.

Coverage: Full coverage with a $500 Collision deductible

Total claim payment: $6934 in repairs + $813 for rental

Claim reassessed:

The initial claim was handled quickly […]

From our claims file: disconnected drain pipe

By |November 28th, 2013|

Claim Description: Water damage due to a disconnected drain pipe.  During a severe rain storm, the rain leader from the roof disconnected in the client’s store pouring water through the store retail area.  Damage was  incurred to the client’s tenant improvements, stock and equipment.

Client’s Coverage: Broad Form Property with a $1,000 deductible.

Payment Cleanup of  premises and […]

From our claims file: Theft of copper wiring and tubing

By |November 21st, 2013|

Claim Description: Theft of copper wiring and tubing.  Thieves accessed the roof of the customer’s building where their air conditioning systems are mounted.   The thieves stripped the units of the copper components.

Client’s Coverage: Broad Form Property with a $5,000 deductible.

Payment included the replacement and installation of new air conditioning units.

Total Claim Payment: $ 60,907.50

Risk Management: Many theft exposures can […]

From our claims file: At the pump

By |October 16th, 2013|

Claim Description: The wrong type of fuel, in this case, regular gasoline, was pumped into a diesel car.

Client’s Coverage: The auto policy includes “All Perils” & QEF 20 (Loss of Use).

Total Claim Payment: $9,062.89 after the $500 deductible was applied. Claim Payment included clean out and repair of the engine and a rental vehicle while the car was […]

De notre dossier de réclamation: L’eau coule à travers toute la maison

By |October 9th, 2013|

Description de la réclamation: Un entrepreneur en train de rénover la salle de bain à l’étage, alors que les propriétaires étaient absents pendant le week-end, la valve temporaire pour la toilette a cédée, permettant à l’eau de s’écouler sans arrêt  depuis le deuxième étage, à l’étage principal et au sous-sol causant d’importants dégâts à tous […]