How to Protect Your Business or Home After Fire and Smoke Damage

Written by on 2017-06-13 12:26 PM . It has 0 Comments.

No one wants to think about their business suffering a fire. But, it does happen. And, where there’s fire, there’s always smoke. Smoke contains many toxic and corrosive chemicals compounds. Smoke from a commercial building fire can be worse depending on the type of business conducted on the premises. So, what should you do and what shouldn’t you do after a fire? Read below to get some tips on how to deal with fire and smoke damage in your business or your home. The first thing you want to do so minimize further damage to your home or business. Try to limit movement in the home or business. The idea is to prevent soot particles from being embedded into upholstery and carpets. Take pictures of all the damaged areas of your business or home and make a list of all damaged items. It is important to document everything so it’s easier to replace when you make an insurance claim. Change your furnace filter regularly and as soon after the all clear is given to re-enter the ...

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New Government Bill Regulates Home Inspectors

Written by on 2017-06-13 12:21 PM . It has 0 Comments.

This past April (2017) the Provincial Government of Ontario passed the Putting Consumers First Act. This new law will impose new rules on Home Inspectors and Home Inspections. Traditionally, home inspectors were not subject to provincial regulation, which meant there was no governing body overseeing inspectors and the quality of their work. Most home inspectors work hard at their jobs, making sure new home buyers are aware of any deficiencies in their new home-to-be such as roofing, heating, foundations, structure, wiring, and plumbing to name a few. However, some inspectors did not put the required effort into their inspections. This meant important problems could be at best missed or, at worst, ignored. There was no one to whom a new homeowner could complain. That all changes with the Putting Consumers First Act. This new law: Adds requirements for education, experience and examinations for licensing Home Inspectors. Provides a code of ethics for all licensed home inspectors. Home insp ...

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We Are Moving!

Written by on 2017-06-13 12:08 PM . It has 1 Comments.

Yes it’s true. Erb and Erb and Lackner McLennan are moving in together at a new location. We expect to be up and running by the Fall of 2017. We are really excited. Currently, our new landlord is working on our new location and getting it ready for us. That includes a complete renovation of the interior to provide ample space for our growing organization in a modern industrial office setting, renovating the exterior so that it reflects our office setting, and paving the parking lot so there is room for staff and clients alike. Our new location will be 818 Victoria St. the former Ball Construction building just off of Bruce St. in Kitchener. This is what the building looks like right now: With the renovations the new building will look like this artist’s conception: Our new location is centrally located in Kitchener and is close to both the Waterloo Region’s expressway and to highway 7 to Guelph. When all the construction is complete Bruce St. will continue north and connect with W ...

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Summer 2017 ProvERB Insurance Bulletin

Written by on 2017-06-13 11:53 AM . It has 0 Comments.

The Quarterly ProvERB - Summer 2017 We're Moving! Yes, it's true. Erb and Erb and Lackner McLennan are moving together to a new location. We'll be better able to serve your needs. Visit here to learn more...   New Government Bill Regulates Home Inspectors Having the home inspection industry ...

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Do You Know Your Condo Insurance?

Written by on 2017-04-19 12:46 PM . It has 0 Comments.

With condos increasingly viewed as a viable alternative to single detached homes it's necessary to understand the particular quirks of condo insurance. Like a Tenant's Policy Like a tenant's policy you'll need an idea of the "Replacement Value" of all your possessions; including clothing, furniture, linens and bedding, electronics, pots and pans, dishes, glasses and cutlery, the food in the fridge and freezer and pantry, beer and liquor and including all the appliances; everything. In estimating the "Replacement Value" of everything, please use "full price" rather than "sale price". Why? Because after a fire you'll want to replace everything as quickly as possible. Not Like a Tenant's or Homeowner's Policy Unlike a tenant's or homeowner's insurance policy Condos have standard unit definitions. The standard unit defines what is considered the responsibility of the condo unit owner to insure and what the condo corporation is to protect. The condo corporation is responsible for insuring all the c ...

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New Rules For Drone Usage

Written by on 2017-03-22 5:53 AM . It has 4 Comments.

Transport Canada recently announced new rules for recreational drone use in Canada. Unlike previous guidelines around drone usage these are now law and, if found guilty, a person could see a fine of up to $3,000. If your drone weighs between 250 grams and 35 KG you must follow these rules: Do not operate your recreational drone: higher than 90 m above the ground closer than 75 m from buildings, vehicles, vessels, animals, people/crowds, etc. closer than nine km from the centre of an aerodrome (any airport, heliport, seaplane base or anywhere that aircraft take-off and land) within controlled or restricted airspace within nine km of a forest fire where it could interfere with police or first responders at night or in clouds if you can’t keep it in sight at all times if you are not within 500 m of your drone if your name, address, and telephone number are not clearly marked on your drone. Operating your drone in clear weather and during daylight ho ...

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How to Minimize a Costly Interruption to Your Business

Written by on 2017-02-28 9:23 AM . It has 0 Comments.

You plan, strategize, and agonize over your business in an effort to get it to run smoothly. You have great employees for your business and your profits are growing from all your hard work. Then a freak fire, flood or some other claim strikes and you are forced to close for repairs. Does your commercial insurance have Business Interruption as part of your protection plan? Having the proper Business Interruption Insurance for your business means you can stay in business even if you make no sales during the restoration of your commercial property. How does it work? Business Interruption insurance supports you when you cannot operate as a result of a covered loss. Things like blackouts and extended power outages, fire, a disaster at one of your key suppliers, expenses from establishing a temporary location and more can create havoc on your bottom line. Your expenses, unfortunately, do not stop when you cannot earn money. To combat the effects of an insured disaster striking your business sound Business Int ...

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How to Avoid Voiding Your Home Insurance

Written by on 2017-02-22 12:24 PM . It has 1 Comments.

When you’re looking at making changes in your life, insurance is typically the last thing on your mind. You’re focusing on the new renovations or your trip, or you’ve started a new business. Unfortunately, even small changes could have a huge effect on your home insurance. We’ll take a look at a few of the most common issues of unintentional voiding of a homeowners insurance policy. Criminal Activity Let’s get the big issue out of  the way. Using your home for a criminal activity, which then results in damage to your home, voids your policy. When you hear of an illegal marijuana grow operation or a meth factory being set up in a private residence and a subsequent explosion or damage you should realize there’s no insurance coverage to rebuild that home. Major Renovations Getting an updated kitchen, finishing a basement, or building an addition can be an extensive project.  These kinds of renovations increase the value of your home and thereby increase the cos ...

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The T Word... The Joy of Taxes

Written by on 2017-02-21 6:44 AM . It has 0 Comments.

By Mike Onotsky Yes, everyone it’s the dreaded T word…Taxes. We all hate taxes, but we know without them we would not have free health care, infrastructure repairs, or public transit to name a few things. The reality is that we all know taxes are a necessary evil if we want to live the lifestyle we are accustomed to. Today what I want to discuss is - paying our fair share, but not a penny more. As I am not an accountant, I will reserve conversation about tax savings, other than in the investment world, to someone else. RRSP Savings When it comes to saving for retirement, the first thing that comes to mind (aside from any pensions someone might have) is to make an RRSP contribution. While everyone loves the refund you get from making an RRSP contribution, there are a number of things to consider if you decide to put all of your eggs in this one basket. Yes, you will receive a refund from your contribution (assuming you would be net zero owing before the contribution and assuming you h ...

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Spring 2017 ProvERB Insurance Bulletin

Written by on 2017-02-21 6:37 AM . It has 0 Comments.

The Quarterly ProvERB - Spring 2017 How to Avoid Voiding Your Home Insurance Life happens and you find yourself doing a renovation here or there and making other changes to your home. You might not realize how some changes could affect your home insurance policy. Visit here to learn more...   How to Minimize a Costly Business Interruption to Your Business ...

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