Most of us think of mould resulting from over-exposure to water combined with poor housekeeping. But moulds are ubiquitous in nature, and already exist in your home and mine.  And they are dormant, at least until spores – residing in household and workplace dust – result.  The spores (reproductive structure adapted for dispersal) can cause  more...

It is now the single largest cause of property damage to Canadian homes. Water damage now accounts for more claims dollars spent on any other single risk to property. The following link will take you to a short article explaining the financial dimensions of the problem, according to AVIVA Canada. http://www.ilstv.com/average-water-damage-claim-rose-160-in-ten-years-aviva-canada/ AVIVA Canada also offers the  more...

In the winter we often hear many tips about winter driving and staying safe on snow-covered and icy roads.  Below is an article from Canadian Top Insurance Broker with 8 tips for keeping your property safe during the winter.  You can read the article below, or click here to visit the CTIP website. __ As  more...

Canadian Insurance Top Broker has put together an article on the Top 4 Weather Events of 2010 for Canada that have a combined insured payout to date in excess of $600,000,000.  Click the link below to see what they were and what the payouts have been: http://www.citopbroker.com/news/a-stormy-year-the-top-4-weather-events-of-2011 more...

Global disasters affect your premium – After the first 11 months of 2009, it is being reported that global disasters are less frequent and less severe than last year.  And catastrophe (“cat”) losses paid for by insurance, are also down significantly. That’s good news for those of us paying premiums on any insured property.  Here’s  more...

Hurricane Bill has lost his identity, petering out somewhere in the North Atlantic; but he led the headlines last weekend as he threatened the maritime provinces. For those of us who were around in the final decade of the last millennium (remember way back to the 90’s??), such events evoke memories of Hurricane Andrew, the  more...

Those of us living in Ontario this summer have had a tough time finding evidence of global warming.  But the weather is unusual in much of North America – the result of some form of climate change. And the changing climate is causing more damage because of something as simple as changes in rainfall. Let’s  more...