The OIPA is competing in the annual CAIW Insurance Awareness Campaign contest sponsored by CAA Insurance. Each member of the OIPA will contribute an insurance awareness tip that specifically speaks to the public and relates to their profession.
The OIPA won the 2020 Canadian Association of Insurance Women Insurance Awareness Campaign. The award money is used to support networking events and opportunities for our members.
#OIPAmember Leah Sangster-Rydzik, Account Manager at Accomsure -ALE Management Solutions shares some important tips on reducing stress at the time of a claim. It’s no surprise that COVID-19 has had a massive impact on the lives of Canadians and people around the world. However, the pandemic has left certain people more financially vulnerable than others, especially when unexpected disasters arise in the home.
For this article, we will take you through the journey of a policyholder who was not financially prepared for a pandemic and the loss of her home. This anonymized example represents the experiences of many Canadians who have been laid off due to the pandemic and are now unable to shoulder the cost of temporary accommodation following an unexpected disaster.
What happens when policyholders can’t afford ALE expenses after losing their job? How can adjusters support these policyholders in their time of need? The following story will outline how losing a home can be especially hard for policyholders without access to emergency funds and how Accomsure can provide a light at the end of the tunnel for policyholders facing this difficult situation [like]:
#OIPAmember Randy Henderson of Arcon Forensic Engineers shares these tips. With people spending more time at home and indoors, now is the perfect time to do your very own Fire Safety Risk Assessment for your residence. Here are some simple things to do and things to avoid, they could save your life or at least your home and the keepsakes and important documents that are in there. Replace your smoke detector batteries with every change in season, regardless of whether they are hard wired or not. Check the expiry date on your smoke detectors and carbon monoxide detectors – these units do need to be replaced! Don’t power appliances such as window air conditioners with extension cords. Extension cords are designed to provide temporary power and are not meant to be a long term wiring solution. Even if you are using a cord that is suitable for the electrical load, it is still only meant for temporary power supply. Ensure that extension cords are not covered – they do heat up and need air circulation around them. Don’t be tempted to have 5 appliances plugged into a two-receptacle outlet. There is a reason for how many receptacles in each outlet and how many outlets per circuit. Related to this is that if a fuse panel fuse or breaker keeps failing, call in an electrician. Clean the lint trap in your dryer after every load and periodically (depending on frequency of use) check the dryer exhaust to ensure that there is no build-up of lint. Airborne particles of lint can lead to dryer fires. Only use candles for ambience during a romantic dinner and never as a light or heat source. Be sure to extinguish the candle before you leave the room regardless of the dinner result. Don’t leave portable appliances such as crock pots, plugged in and operating for hours if you’re not home. Clean out your toaster – unplug it first – to make sure particles of bread don’t ignite this is also true for your oven where uncleaned spills from a previous use can catch on fire. Don’t leave oily rags or rags doused in paint thinner in a pile or in a heap, even in your garage. Make sure combustible items are not stored close to open bulbs in closets or other storage rooms.
#OIPAmember Oliver Gonzalez of OGEE Solutions Inc. shares some insight on mould (Not mail...mould) 🍄
Every home has a certain amount of mould spores in the indoor air (and within wall cavities). But what are the types of moulds present? At what concentrations? Should you be CONCERNED?
The answer is “possibly”, but it depends on many factors. Yet, a good start to better understand your indoor air quality is to have air sampling completed to assess airborne mould spore concentrations.
A mould investigator can help identify areas of mould concern and the proper procedures to remediate. An assessor is able to interpret the mould air quality results based on her/his training, experience, and assessment of the areas of concern. An airborne concentration of 50 spores/m3 of Aspergillus/Penicillium type mould may not be of concern, but that same concentration of Stachybotrys mould spores can mean significantly different conditions.
Also consider this: if you’re conducting any type of abatement or restoration, do you take into consideration the mould types you’re releasing into the indoor air from within wall cavities? Are you being safe for yourself and your clients??
Mould conditions can be A LOT worse within wall cavities 🍄🦠 That’s why proper containment and isolation of the work area are VERY important during restoration or renovation projects ✅
Once openings are made, the levels of airborne mould can easily spike within the work area and the home (if no containment) 🏡 This can lead to a variety of issues, including health concerns!
Make sure to hire informed contractors for mould abatement ✅ And make sure they understand the regulations/guidelines that guide abatement as well as health and safety!
For more information contact OGEE Solutions Inc. today!
OIPA President and commercial broker at CCV Insurance & Financial Services Inc. Amber Arter CRM, CIP, shares some information about what a business insurance broker can do for you. “A broker acts on behalf of you, their client. They will take the time to understand your background, your current needs, and your expectations to help you identify the risks your business faces every day. Once you’ve narrowed down the risks, your broker will help you better manage those hazards, determine the appropriate type and extent of coverage you need, and find the best business insurance solution for you.” Read full article here: https://lnkd.in/e24PSrt
Article source: Northbridge Insurance
#businessinsurance #OIPAmember #BeBlunt Canadian Association of Insurance Women #insuranceawareness
#OIPAmember Sami Shaker of Kodsi Forensic Engineering offers this tip that debunks this Myth: "I have ABS or All-wheel drive so I don't need winter tires." Winter tires are very important. Tires are the most significant safety equipment on vehicles; they are the only part of our cars, vans, trucks, and SUVs that touch the road, and they transfer all driving forces. Yet, with the exception of Québec which has mandatory winter tire legislation, only about a third of Canadians make use of winter tires. Many drivers believe that they do not need winter tires unless there is a lot of snowfall, or because they have a vehicle which boasts either all-wheel drive or ABS. The fact of the matter is that neither of these features actually improve traction; these technologies only optimize the vehicle’s use of available traction. Winter tires, however, will increase your traction and can reduce stopping distance by up to 30%. That could very well be the difference between a hit and miss! See full blog post at https://lnkd.in/e6j7rwi