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  • What renters should do in case of fire - DGI Direct
    in these circumstances it s best to lightly touch the unit s door handle before leaving If it s warm to the touch that may mean the fire is blocking the path Instead of panicking it s best to keep the door closed but to unlock it Then try to seal the door jam completely so smoake doesn t leak into the room Calling 911 is the next thing to take care of and the responder should be informed of what s happening They will then issue further instructions for what to do next How to deal with smoke Another scenario renters may be faced with is a fire that produces more smoke than actual flames Either way it s just as dangerous and can lead to serious breathing issues especially for those who have airway problems or who suffer from asthma IBC says that if the building is filled with smoke and a tenant is trapped they should call 911 and inform them of this at once It s important to stay as low to the ground as possible as smoke rises and tends to be thinner at the lower to the ground one goes Those who live in the upstairs portion of an apartment building or who have a balcony should take advantage of it Safety experts with IBC say that if possible go toward the balcony remaining low in the process and to go out onto it making sure to close the door once on the outside Rescuers should be able to come to help For those who don t have a balcony IBC says that renters should go toward the nearest window and to open it as wide as possible Hang a bright towel or wave it to grab others attention While landlords generally have the

    Original URL path: http://dgidirect.ca/home-tips/what-renters-should-do-in-case-of-fire/ (2016-05-01)
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  • Most Canadians say social media should be outlet for emergencies - DGI Direct
    than half of Canadians would use social media to inform a family member or loved one that they are safe in the event of an emergency The poll also found that social media has become a top resource to turn to for information in general Though television and the radio are the preferred ways of receiving news 31 percent say that they re partial to social media for information gathering Conrad Sauve secretary general of the Canadian Red Cross said that social media is something companies news gathering services and officials recognize as being a major contributor to how people interact with the world Information is key to keeping people safe in an emergency said Sauve With the majority of Canadians already engaged on social networking sites these platforms can be used to get more information on local emergencies and inform people how they can give or receive help Among the variety of ways Canadians disseminate information though the most preferred method is through email cited by 39 percent of respondents Roughly 2 percent said that they usually send a text message while 13 percent said they used an application on their smartphone Internet a major informational resource The internet in general has become a leading outlet for information gathering whether it s about an emergency situation what the prices are for an appliance or how to take advantage of home insurance savings In fact according to a recent study from the U S based consulting and professional development organization LIMRA 61 percent of consumers who researched an individual insurance product in 2012 looked online That s up from 38 percent when a similar poll was conducted in 2006 At the same time though the internet is not the sole means by which people obtain information In fact for insurance

    Original URL path: http://dgidirect.ca/auto-insurance-articles/most-canadians-say-social-media-should-be-outlet-for-emergencies/ (2016-05-01)
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  • More fire safety tips to heed - DGI Direct
    to inform everyone within the building that there s a fire and move as quickly as possible to the stairwell if applicable Some may think that their best bet is to take the elevator but IBC says this should never be done as there s the possibility that the elevator could malfunction Never smoke in the bedroom Smoking is a serious health hazard as most people know but it can also be a dangerous fire hazard as well This is particularly true if Canadians smoke in certain parts of their house that they shouldn t such as in their beds According to the U S based National Fire Protection Association one in every four home fire deaths result because in the bedroom often due to cigarette butt ashes that fall onto the bed s sheets Look for signs of electrical problems Electrical fires are another common home fire Occasionally electrical fires may result through no fault of the homeowner as the product or appliance may have an inherent mechanical flaw However electrical fires also start after signs indicating there may be a problem are made apparent For example if a lamp s bulb flickers if the wires on a plug aren t covered or a circuit breaker is open those are classic indications of a fire hazard Homeowners should be aware of these and dispose of them in the appropriate fashion IBC advises Remove flammable materials from home that aren t used It s not unusual for homeowners to keep things in the house that were once used for renovations or updating the interior of a residence These things however may be highly combustible IBC says that any paints solvents or random stacks of paper that are no longer needed should be stored somewhere that s away from the residence

    Original URL path: http://dgidirect.ca/home-tips/more-fire-safety-tips-to-heed/ (2016-05-01)
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  • Parents recall school safety zone violations they've observed - DGI Direct
    According to the poll three out of every four respondents 78 percent said that they observed someone driving faster than the posted speed limit In addition approximately the same percentage said they saw a motorist using a cellphone while driving and nearly six in 10 said they saw a motorist failing to yield to pedestrians walking in the crosswalk Parents often not apprised of school zone requirements While some of these instances may result from reckless disregard for driving safety protocols the findings may also suggest that parents aren t fully aware of what they re supposed to do in school zones The School Safety Survey performed by Angus Reid found that nearly 40 percent of parents have never been given a notice detailing what specific pick up and drop off safety procedures needed to be followed But even among those who do know where school pick up and drop off zones are many parents say that they re too crowded potentially increasing the risk of an accident Nearly 70 percent of parents said that they thought these zones were overcrowded Talk with insurer Just as exceeding the speed limit and going through a stop sign can negatively impact policyholders auto insurance premiums not being fully aware of the rules governing school safety zones can have an adverse impact on them as well Parents may want to discuss with one of their insurance agents how driving performance can affect their rates especially if they re ticketed for an incident that occurs near a school It may also be a good idea to take a refresher course on traffic laws Successful completion could result in reduced premiums Sections Auto Insurance Home Insurance Pet Insurance Online Quote Auto Property Postal Code Go Or call 1 877 699 9923 Categories Ajusto Auto Insurance

    Original URL path: http://dgidirect.ca/auto-insurance-articles/parents-recall-school-safety-zone-violations-theyve-observed/ (2016-05-01)
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  • Winter home heating and savings tips - DGI Direct
    one of the best ways to save is by installing a furnace that s Energy Star certified In one season of use homeowners can shave 25 to 35 percent off their heating bill a savings of more than 600 Homeowners may want to check with their home insurance provider as green energy installations may help lower their monthly premiums Depending on one s distributor they may be eligible to obtain federal subsidies to defray the cost of installing eco energetic heating systems according to QHOA Properly maintaining one s heating system can also help homeowners save By cleaning air filters cleaned regularly warm air can flow more freely reducing the need to increase the temperature QHOA advises Speaking of thermostats the source recommends installing a programmable one that can adjust the conditions depending on whether someone is at home Sections Auto Insurance Home Insurance Pet Insurance Online Quote Auto Property Postal Code Go Or call 1 877 699 9923 Categories Ajusto Auto Insurance Auto Insurance Articles Car Tips General Tips Home Insurance Articles Home Tips Insurance News Insurance Related Articles Pet Insurance Pet Tips Property Insurance Tenant Insurance Travel Tips Archives April 2016 March 2016 February 2016 January 2016 December 2015 November 2015 October 2015 September 2015 August 2015 July 2015 June 2015 May 2015 April 2015 March 2015 February 2015 January 2015 December 2014 November 2014 October 2014 September 2014 August 2014 July 2014 June 2014 May 2014 April 2014 March 2014 February 2014 December 2013 November 2013 October 2013 September 2013 August 2013 July 2013 May 2013 April 2013 March 2013 February 2013 January 2013 December 2012 November 2012 October 2012 September 2012 August 2012 July 2012 June 2012 Recent Posts Tips for Adults Learning to Drive 7 Strategies for Fuel Efficient Driving 5 Things You Can Do

    Original URL path: http://dgidirect.ca/home-tips/winter-home-heating-and-savings-tips/ (2016-05-01)
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  • Preparing for the cold season through maintenance and home improvement - DGI Direct
    some enjoy fall for the drier air conditions and crisp temperatures virtually everyone enjoys the brilliant colors that form on foliage including bright shades of red yellow and orange As nice as these are to look at though they can make for backbreaking work when they fall to the ground covering finely manicured lawns with debris Build com says instead of raking up the leaves homeowners may be better off purchasing a leaf blower This can make leaf collection that much easier so it can be bagged and thrown away or emptied in a nearby wooded area Clean gutters Home improvement experts note that falling leaves can also be liability potentially increasing the risk of a home insurance claim if leaves clog gutters should an unexpected event such as a fire occur Leaves are highly flammable but these fuel sources can be removed by being sure to check the gutters occasionally to ensure that they don t get bogged down with debris Space heaters are great additions when used appropriately As the fall season inches toward winter temperatures tend to get cooler and cooler making it especially difficult for people who are sensitive to cold But homeowners may be loath to turn their thermostat up an extra degree not wanting to pay the added expense The online home improvement retailer says homeowners can help take the edge off by purchasing an electric heater This may increase the electric bill modestly but the cost is usually a fraction of oil bills and will delay the time needed to have the tank refilled However there are risks that come with electric heaters if they re left on for too long are unattended or something flammable is draped on it nearby According to Fire Protection Canada fires kill eight people every week 73

    Original URL path: http://dgidirect.ca/home-tips/preparing-for-the-cold-season-through-maintenance-and-home-improvement/ (2016-05-01)
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  • Oil Tank Tips for homeowners to prevent oil spills | DGI Direct
    of oil tanks available all of which have their positives and negatives Consider talking to a professional or whoever the supplier is about which kind they think is best Whatever tank they choose ensure that the tank is certified This can easily be determined by checking to see if their is a stamp on the tank from either the Standards Council of Canada or the Underwriters Laboratories of Canada Always buy new never used Something else that consumers should make sure of is that what they re buying hasn t been used before or been refurbished IBC says some companies sell used tanks and while they may not result in any problems it s virtually impossible to know for sure whether something has compromised its structural integrity Have tanks serviced regularly Once a new tank is in place which should be done by a professional for those who are unfamiliar with how to set one up it s important to keep in good working condition IBC says this can be done by having it checked out every few months by a heating service professional It s especially important to get in contact with them if homeowners notice any water or moisture on the tank or if there the tank is emitting a strong oil scent Either of these conditions suggests there s a problem What is its lifespan Another issue homeowners should be aware of is how long their new tank is expected to last before it s time to replace it IBC says some provinces require that tanks be replaced after a certain number of years but these regulations vary Tank suppliers should know what the average lifespan is for tanks Check for rust However long it is homeowners should get into a routine of checking their tanks for

    Original URL path: http://dgidirect.ca/home-insurance-articles/how-to-handle-oil-tank-issues/ (2016-05-01)
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  • Driving tips to adjust to the shorter daylight period | DGI Direct
    as it can be difficult to tell the difference between the amount of daylight between today and tomorrow there s a very subtle deterioration in how strong headlights from day to day that can often go unnoticed Sylvania says that motorists can determine whether they need to replace their headlight bulbs by taking the car and driving it to the large building such as a garage Making sure the vehicle is on a flat surface turn the headlights to the on position If the circles of light appear yellow and dim that s a good indication that they should be replaced However if they are bright and white the headlights are in good working order and don t need any additional checking The reason lights need to be in as good of condition as possible is so drivers can see what s ahead of them and others can see them as this may be the best ways in which to avoid an auto insurance policy claim due to a collision caused by reduced visibility At the same time though lights that are especially bright may cause an accident if people aren t careful Avert eyes when high beams shine Drivers are required to turn off their high beams when another car is approaching However due to forgetfulness or carelessness many people fail to do this The glare that emanates from these high beams can lead to an accident if drivers are temporarily blinded To avoid this Sylvania advises looking down and to the right preferably at the breakdown lane line This will enable drivers to see where their going and account for the curvature of the road without having to look directly into the light Increase travelling distance The lighting company also notes that driving distance can be hard to

    Original URL path: http://dgidirect.ca/car-tips/driving-tips-to-adjust-to-shorter-daylight-period/ (2016-05-01)
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