Flooding

Did you know that water damage is the number one insurance risk in Canada? Heavy rainfalls can cause damage in urban and rural communities in both high AND low lying areas. That's why SGI and My Mutual Insurance offers Water Protection Coverage which protects you from damage caused by flood, surface water and ground water. Ask us how you can protect your home today!

Insurance companies suggest the following in the event of a flood;

• Clean up as soon as possible. Seek professional advice on how to clean up and take whatever reasonable steps you can to minimize the extent of your loss.
• Have any appliances (including furnaces) that have come in contact with water checked by a qualified electrician, dealer or serviceman before you use them.
• Do not touch any electrical systems or panels until you know it is safe to do so, especially in wet or damp conditions.
• Move damaged belongings to a dry area with good ventilation.
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For more information please visit SGI My Mutual Insurance

Sewer Back Up

Although more common during wet seasons, a sewer back up can happen at any time. Blocked sewer connections caused by tree roots, collapsed sewer pipes or improper use of the sewer system can also cause a sewer back up.

Insurance companies do cover sewer back up, but it is not automatically included on your policy. Sewer backup coverage is optional and must be added at your request.

Your policy cover page will indicate if you have sewer back up coverage. Please make sure you check your policy to make sure you are covered if you think your home has potential for a sewer back up.

If sewer back up is on your policy, even though you are covered you should take precautionary measures to prevent any losses that may happen. Here are just a few;

• Install a sump pump.
• Install an automatic sewer backwater flow valve.
• During a rainstorm, check your basement. If it begins to flood, move your belongings upstairs or to a dry area to keep them safe.
• Keep all of your eaves troughs and downspouts clean and clear to allow proper drainage.

Unfortunately in some cases a sewer back up might not be preventable but at the very least you can minimize damage to your property with the proper precautions.

For more information please feel free to contact us or visit the following web sites.

SGI

My Mutual Insurance

 

 

Hail Insurance

The economic effect of a hail loss can be devistating. If you are a farmer in the province of Saskatchewan you know how important it is to protect yourself from production and income losses.

At Laird Insurance we know how unpredictable our weather can be. Providing farmers with a varity of hail insurers you can be sure your crops are protected against financial loss from the "white combine"

Winter Season: Ice Damming

In Saskatchwean winter is an inevitable part of life. Winter season can mean wind and rain or wind and snow and in most cases lots of it. That light fluffy snow can become a problem when it piles up. It is important that you take precautionary measures to prevent damage to your structure from Ice Damming.

• Proper insulation
• Maintenance - including snow clearing on your roof. Making sure gutters and downspouts are clear of blockages/ice buildup

Please note that this is NOT a standard coverage on a policy. Your property must qualify for comprehensive coverage.

If you have questions or concerns about ice/snow collapse please contact us or feel free to visit one of the links below.

SGI

My Mutual Insurance

 

Winter Season: Liability

Living in Saskatchewan we all have to deal with winter and what comes with it. Did you know you could be held legally liable for someones injuries if they slip and fall on your property?

The best way to avoid a liability claim is to keep your property (ie; sidewalks/driveways) free from dangerous conditions like snow and ice. However, accidents can and do happen. Do you have enough liability coverage on your policy for that kind of circumstance?

If you have any questions please contact us and we would be happy to help you. Feel free to visit the following links as well for further information.

SGI

My Mutual Insurance