Want to save money on roof insurance? Introducing hail-resistant roofs: http://www.insurance-canada.ca/claims/other/IENGAHail407.php
Starting October 1, 2015 Wawanesa has made changes to their rating structure with significant changes being applied to Sewer Backup and Wind & Hail. Wawanesa will be moving towards a predictive modeling rating method which they believe will help them refine their rating variables by tailoring premiums to individual rate characteristics.Click here for FAQ's regarding the change or check the POLICY INFO section for more information.
I am sure you've been hearing and reading a lot about Ice Dams lately, but you may be wondering what are they, how can I prevent them, and if this happens to me will my insurance cover the costs associated for repairs? The information below will help shed some light on these questions.
What is an Ice Dam?
Ice dams are formed when the snow on your roof melts above a warmed attic. When the snow melts the water moves down to the cooler roof edge and soffit and freezes. If the water is not allowed to drain properly, the resulting freezing can create ice dams on your roof.
Ice dams can cause damage to the shingles, soffits and gutters and if the ice dam spreads up the roof the water eventually works its much under the shingles and into the attic. Once the water enters the attic, there is risk of damage to the roof, ceilings, walls and contents of your home. Once ceiling insulation becomes wet, it looses its insulating value and will allow more warm air into the attic accelerating the growth of the ice dam.
How can I prevent Ice Dams?
Now that you know what an ice dam is and how its caused, there are a few steps you can take to prevent them:
- Keep the amount of snow on your roof to a minimum. Use a roof rake or hire a professional to clear the snow away - Never go up on the roof yourself
- Ensure that the melting snow has a path to drain off your roof by keeping gutters and downspouts free of snow, ice buildup and icicles
- Check to make sure your attic is properly insulated and ventilated to prevent the heat from inside leaking into your attic
- Cleaning the leaves and debris from your gutters in the fall will ensure that any water has a clear path to travel away from your roof
I had an Ice Dam that caused damage to my roof and the interior of my home, is this covered by my insurance?
That is the million dollar question and unfortunately most things cannot be cleared up with a yes or no answer. One definitive "No, it is not covered" is the damage caused by the ice dam to your roof. No matter what type of policy you have, the roof damage will not be covered by your insurance.
The interior or "resultant" damage is where the answer varies. Depending on what type of policy you have, the resultant damage may or may not be covered. However as with any claim it is subject to your policy deductible and will affect your claims rating which can cause your premium to increase.
To ensure you are properly insured, please review your current policy and contact your broker with any questions you may have or discuss the options that may be available to you.
The Government announced on November 7, 2013 that it will be moving forward with more than half of the recommendations made by the Special Committee on Traffic Safety.
This action will include tougher penalties for drinking and driving, increased photo radar for speed control along with increasing awareness of the dangers of distracted driving. Some of the actions include:
- Zero tolerance for drug and alcohol for all drivers under 19 years of age, and for all drivers in the Graduated Driver's Licencing (GDL) and Motorcycle (GDL) programs
- Immediate 60-day roadside license suspension and 3-day vehicle impoundment with ANY Blood Alcohol Content (BAC) under .08 for drivers under 19 years of age as well as all drivers in any GDL program
- Mandatory ignition interlock for high BAC offenders
- Immediate licence suspension up to court disposition and a 30-day roadside vehicle impoundment for a first offence for all drivers with a BAC of .08 to .15, or those who refuse a test
- A two year radar pilot project in high-risk locations and school zones
- Increased financial penalties for drivers caught going more than 35 km/h over the speed limit
- Booster seats will be mandatory for children under the age of 7, and less than 145 cm(4' 9") in height and 36 kg (80 lbs) in weight
The Special Committee on Traffic Safety tabled it's final report to the Legislative Assembly on August 30, 2013 which contained 26 recommendations. Cabinet approved 18 of the 26 recommendations with no changes, 7 recommendations were approved with amendments and 1 was not approved. 14 of the 25 approved recommendations will move forward immediately to address impaired driving, excessive speed, occupant restraint and traffic safety awareness. The full report by the Committee can be read here.