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9 months ago · by · 0 comments

The Adjuster’s Role After a Fire In Your home

After a fire in your home, an insurance adjuster plays a crucial role in assessing the damage and determining the fair compensation you deserve under your insurance policy. Their primary responsibilities include:

1. **Investigating the fire:** The adjuster will visit your property to inspect the damage, gather evidence, and determine the cause of the fire. They may take photos, collect samples, and interview witnesses to get a comprehensive understanding of the incident.

2. **Evaluating the damage:** Based on their investigation, the adjuster will estimate the extent of the damage to your home and personal belongings. This includes assessing the structural damage, repair costs, and replacement costs for lost or damaged items.

3. **Preparing a claim estimate:** The adjuster will compile their findings and calculations into a detailed claim estimate. This document will outline the scope of damage, the estimated repair and replacement costs, and the proposed settlement offer.

4. **Negotiating the settlement:** The adjuster will negotiate with you to reach a fair settlement amount. They may consider factors like your policy coverage, deductible, and the value of your property and belongings.

5. **Facilitating repairs and replacements:** Once a settlement is agreed upon, the adjuster will work with you and your chosen contractors to facilitate the repair or replacement of your damaged property and belongings. They may also assist in coordinating temporary accommodations if necessary.

6. **Answering questions and providing guidance:** Throughout the claims process, the adjuster will answer your questions, address concerns, and provide guidance on how to proceed. They should be a helpful and knowledgeable resource for you during this stressful time.

Remember, the adjuster is your advocate in the insurance claims process. They are responsible for ensuring that you receive a fair and timely settlement for your losses. If you have any questions or concerns about your claim, don’t hesitate to contact your adjuster.

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4 years ago · by · 0 comments

Hard-to-place Homeowners

Your Home Does Not Fit the Mould – Now What?

This program targets:

  • Clients with loss history
  • History of non-payment
  • Older Homes/Lack of Updates
  • Knob & Tube / Aluminum Wiring – 60 amp


  • Simple Application
  • Flexible underwriting

Quotes provided same day!

Hard-to-Place Property/Liability

Our group will work with you to tailor solutions for hard-to-place property and liability risks.

Risks that are hard to place due to physical hazards, claims experience, location or occupancy are usually unacceptable to the standard markets.

Examples of hard-to-place risks include

  • Vacant properties
  • Older rented dwellings
  • Rooming houses
  • Unlicensed restaurants
  • Hotels
  • Unprotected risks
  • Claims history
  • Mortgagee’s interest
  • Risks with a moral hazard

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5 years ago · by · 0 comments

Privacy and Security Tips

From an insurance brokerage’s perspective:

“As an owner of any business it is our duty to protect our clients privacy and ensure proper security systems and procedures are in place to protect their data.”-privacy officer-Dan Desbiens

8 privacy tips for businesses Based on best practices suggested by the Privacy Commissioner of Canada, the tips below can help us better protect our customers’ personal information and help create a strong regulatory compliance environment at our brokerage. Please note: These tips offer general topics—

1)Get your customers’ consent to collect their personal information.

2)Limit your collection and retention of that information.

3)Ensure that your staff receive appropriate privacy protection training.Limit and monitor access to personal information and take appropriate action when an employee accesses information without authorization.

4)Think twice before collecting sensitive personal information, and guard against collecting sensitive information you are not likely to need, such as your customers’ social insurance numbers.

5)Inform your customers if you are using video surveillance.Have a privacy policy and be upfront about your collection and use of personal information.

6)Protect personal information stored on laptops, USB keys and portable hard drives through technological safeguards such as encryption and password protection.

7)Respond to your customers’ requests for access to their personal information in a timely manner.Safeguard personal information against privacy breaches.

8)Report all breaches that could result in significant harm to an individual.

Q: What’s the difference between privacy and security?
A: There are overlaps between these two terms. Privacy has to do with control over personal information and how that information is collected, used and disclosed. Security refers to how personal information is protected and safeguarded.If, for example, you give your information to a company, and that company then uses secure methods to transmit your information to a third party who in turn uses that information to call you at dinner time, security may not be an issue, but privacy might be.You can have security without privacy, but it’s impossible to have privacy without security.
Q: If our brokerage gets a call asking for roadside confirmation of in-force coverage, how do we know it really is a police officer?
A: You have the right to challenge the caller to confirm that it is a legitimate call. For example, you might want to ask the officer’s name, their badge number, which police force and detachment they belong to, and a phone number for their detachment.Think carefully about the information you are providing and the risk of that information falling into the wrong hands. For instance, you might have told the “police officer” that the coverage on a 2017 Dodge Caravan was renewed in September. Then you call the client and they reveal that they haven’t been stopped by the police for years. You determine that it wasn’t really a police officer who called you. That’s a breach, even though you acted prudently. The renewal date on an insurance policy likely wouldn’t lead to a real risk of significant harm. But if the “officer” had asked you to share the insured’s banking information or the value of scheduled jewellery on their home policy, the conversation should stop there, unless you receive express consent from the insured, a subpoena or some similar court order.
Q: How do I deal with a client with limited English proficiency who had a friend or family member help set up their insurance?
A: First, determine what this person’s relationship is to the insured (neighbour? daughter? work associate?). Second, get clarity around this person’s role (for example, one-time translation help, or a go-between for all future insurance transactions?).If this person is providing ongoing translation assistance, obtain the insured’s express consent, such as by asking the insured to sign a form. Consider using this text:I consent to having any of my (and my family’s) personal information related to my (our) insurance needs shared with or collected from (friend/relative’s name) for (length of time the consent applies).You will need to trust that the translator will explain the form to the insured before getting the signature, which would ensure that the consent qualifies as informed. This consent should be secured in person with both the translator and the insured present, so you can be sure you are obtaining informed consent.
Helpful links
Privacy Commissioner of Canada:

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5 years ago · by · 0 comments


Pick up around your yard

•Pick up and secure loose items stored outside to avoid them becoming flying debris causing potential damage and personal injury

•If you have a pool, consider covering your pool to avoid debris entering and causing damage

Prepare your home

•Install a sump pump to prevent groundwater from entering your basement. If electric, consider installing a battery-operated back-up in case of a power outage

•Keep drains and toilets free of household grease and other foreign objects that may cause blockage

•Know where basement floor drains are and keep them clear

•Know where your shut-off valves are and how to turn them off in an emergency•Check eaves trough and downspouts every spring and fall to ensure that they are not blocked

Know what to do during a flood

•Do not touch electrical wires, appliances or devices

•If sanitary sewer backs up into your basement, do not flush toilet or turn on any taps

•Never cross a flooded area

•Separate damaged property from undamaged property and prepare an inventory of what has been lost or damaged

•Take photographs of damaged property

•Keep receipts of any clean-up costs incurred

Prepare for power outages:

•Ensure fridge and freezers are well stocked and open only when necessary

•If you have a generator, prepare it for use –including checking fuel and oil levels and ensuring it is in proper running condition

•Have flashlights and blankets ready

•Fill the bathtub with cold water

•Ensure all electronic items are fully charged (laptops, smartphones, etc.)

•Keep non-perishable foods stocked

•Disconnect electronics to prevent electrical surges when power resumes

•Have alternative plans to visit friends, family, a warming centre or a mall to stay warm

Most policies protect you against a host of hazards including wind and rain storms. Review your coverages with your broker to understand your coverages, deductibles and any limits which may apply.

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5 years ago · by · 0 comments · Featured

Get your property ready for fall and winter!

Each year, fall seems to come and go in the blink of an eye. It can feel like it goes from cool evenings and a faint smell of pumpkin spice to snow days and slippery sidewalks before you even have time to put on a toque. When it comes to your home, taking a little time to get prepared in the warmer weather could save you some headaches when winter starts blowing in. Wondering what you can do to get your property ready for fall and winter? Consider these tips:

  1. Clean out your eavestroughs and downspouts. Both are meant to direct water away from your home to prevent leaks all year long — but they can’t do that if they’re damaged or clogged with leaves or other debris. Fall is a good time to remove all debris and repair or replace any damaged sections.
  2. Turn off your outdoor water supply and drain exterior pipes, faucets, and hoses to prevent freezing. Follow this step-by-step guide to turn off the shut-off valve, disconnect your hose, and drain the pipe and valve. If you have an in-ground irrigation or sprinkler system, be sure to follow the manufacturer’s directions to drain it, too.
  3. Get your wood burning fireplace and chimney in order. This means having them professionally inspected and cleaned, as well as making sure the area surrounding your fireplace is set up for a safe burning season. Learn more about fireplace safety before it’s time to light yours up. Bonus tip: Do you have a wood stove or pellet stove? Both require you to take special safety precautions.
  4. Prepare your home’s heating system for the season. This could include:
    • Calling in a professional if your furnace is due for an inspection or tune-up (check the owner’s manual to find out when this should be done)
    • Replacing any filters that might still be dirty from last winter
    • Dusting all heating vents and making sure they’re clear of obstructions like furniture, carpeting, or curtains
    • Re-programming your smart thermostat
    • Making eco-friendly updates to save energy and lower your heating bills
  5. Test or replace the batteries in your carbon monoxide detectors. Make sure you have working carbon monoxide detectors on each floor of your home — and remember to follow the maintenance instructions to prevent carbon monoxide poisoning.
  6. Reverse your ceiling fans. Many ceiling fans can be set up to change direction (from counterclockwise to clockwise) and run on a lower speed in the fall, which allows warm air to be pushed down from the ceiling. This can help you save energy and money.
  7. Re-seal drafty windows and doors. Keep the warm air inside and the cool air outside by re-caulking around window and door casings (if needed), as well as checking the weather stripping on your doors. Bonus tip: Try closing your door on a piece of paper. If you can slide the piece of paper up and down along the doorframe without ripping it, it’s probably time to replace the weather stripping on your door.
  8. Get your roof in shape for snow-load season. Have a professional thoroughly inspect your roof (inside and out) and have any damaged areas repaired before the snow starts.
  9. Cut and clear your lawn. Long grass and piles of leaves can make perfect nests for insects and rodents. Plus, if snow falls before you have a chance to cut your lawn and clear away the leaves, it can lead to snow mould and other fungal issues. When it’s time for the last lawn-mowing of the year (after your lawn has stopped growing), lower your blades one notch and go for a shorter cut. It’s okay to leave some grass clippings on the lawn itself, but you’ll want to clear away any large piles of leaves and other debris, paying special attention to the areas surrounding your home’s foundation.

Repair cracks in your home’s foundation. You can usually do this from the inside, rather than having to dig around the outside of your foundation. This can help protect your basement from flooding when the snow starts to melt next spring.

beautiful fall leaves with surrounding country home
Get ready for fall!

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6 years ago · by · 0 comments

Tips to help you make sure that Halloween doesn’t end up being scary

As much as children love to go trick-or-treating and the resulting stash of candy, Halloween can be ghoulish if precautions by homeowners and drivers aren’t taken.

Halloween safety tips!

  1. Clear the path to your door – Reduce the chance that a trick-or-treater will slip and fall on your property by ensuring that the path to your door is well lit and clear of all obstacles.
  2. Clear the yard – Chances are, some kids are going to try to get from house to house as quickly as possible by taking short cuts across your yard. Help them stay on their feet by putting away toys, garden hoses, or anything else that you may have on your front lawn.
  3. Make sure your pets are in the house. With all the activity, pets can easily get spooked possibly causing harm to themselves or others. Generally, it’s suggested that it is best to keep dogs or cats in a separate room while trick-or-treaters are coming to your door.
  4. Avoid using real candles in your jack-o’-lanterns. Minimize the risk of a fire or injury and use a flashlight or battery operated candle instead of a real flame.
  5. Make sure all decorations are away from lights and fire. Keep decorations away from all open flames as well as lights that can get hot.
  6. Minimize the chance your home will be vandalized. Bring your pumpkin in (along with any other decorations), keep your property well lit, and make sure you lock up when the night is over.
  7. Drive with care. If you must drive on Halloween be mindful that children are excited about trick-or-treating and may not always remember to look both ways before crossing the street. Drive slowly and watch for kids at the usual crossing sections and crosswalks but also mid-block too.
  8. Enter and leave your driveway slowly. Excited kids running down the sidewalk can come out of nowhere quickly. Proceed with caution when turning into your driveway or when leaving to go out.
  9. Don’t drive distracted or impaired. It should go without saying, but don’t drive impaired. Also, put away the phone, turn down the music and scan the road (and sidewalks) ahead to be ready for the unexpected.
  10. If you have a garage, park your car in it for the night. Minimize the threat of vandalism to your car and put the car in the garage.
  11. If you don’t have a garage, park your car where you can see it. You’ll want to make sure you can see your car from your home easily. This way you’ll be able to keep an eye on it and your ears open for any weird “bumps in the night”.
  12. Lock your car doors and keep “treats” out of sight. Don’t make it easy for would-be thieves or vandals. Lock your car doors and make sure anything of value is removed from the car or is out of sight in the trunk.

Just because Halloween celebrates scary things doesn’t mean you want any scares of your own. With a few precautions you can ensure everyone has a frightfully fun time.
Are your auto insurance premiums ghoulish?Your auto insurance premiums shouldn’t haunt you every month. Take a bite out of your premiums and give us a call at 519-397-9333 to ensure you are getting the best rate!

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Chatham, Ontario N7M0N1

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