Safety Tips

Insurance is something that you hope you never have to use. That’s why we’ve put together a series of tips that should help you keep you safe – whether on the road, at home, or at your business.

Serge Lavoie

Keep candle safety top-of-mind every time to reduce your risk of a household fire.

Burning candles safelyIn recent years, candle use in Canadian homes has grown dramatically. Though the ambiance and mood created by candle light is enjoyable – and often necessary during a power outage – it is important that you keep candle safety top-of-mind every time you light a candlewick.

Protect your home from basement flooding

Reduce your risk of flooding and sewer backup with these simple home modifications.

Sewer back up results when the volume of water and sewage flowing into a sewer system exceeds its capacity. Other causes of sewer back up include blocked sewer connections caused by tree roots, collapsed sewer pipes or improper use of the sewer system.

Water escape and rupture

Water damage repairs are very costly and, if not done properly, can contribute to moulds and other known health hazards.

Insurance provides coverage for the damage resulting from water escape and rupture, but it’s the responsibility of the homeowner to correct the problem and prevent it from happening again – or better yet, from happening at all.

Cold-weather home damage

In winter, alternating periods of melting and freezing can lead to ice dams, causing considerable damage to your home.

Ice dams
Snow acts like an insulation layer on the roof above your attic. When snow melts above a warmed attic, water moves down to the cooler roof edge and soffit and freezes. Unless this water is allowed to drain properly, the resulting freezing can create ice dams on your roof.

Break-in prevention

Having your home violated is a very traumatic experience. Break-ins cost Canadian insurance companies millions of dollars each year in claim payments. This cost is shared by policyholders through increased premiums.

Making a claim because of a break-in could increase your insurance premiums. By taking precautions to make your home more secure, you can save yourself inconvenience and money.

Leaking fuel oil tanks

More than 40% of all oil spills in Canada are from domestic oil tanks used to heat homes.

These heating fuel oil tanks deteriorate over time and most corrode from the inside out. This internal corrosion is caused by the accumulation of water and sludge at the bottom of the oil tank that can result in small pinhole leaks.

Fire prevention and safety

There are about 24,000 house fires per year in Canada. That equates to an average of 377 deaths and 3,048 injuries per year.

Facts about house fires
In Canada, 1 out of 100 preventable residential fires are fatal.
The No.1 ignition source in all preventable house fires is cooking equipment that ignites clothing, oil or flammable liquids.

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Safety Tips

Serge Lavoie

Protect your home from basement flooding

Water escape and rupture

Cold-weather home damage

Break-in prevention

Leaking fuel oil tanks

Fire prevention and safety

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