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  • Tips for homeowners to prevent leaks in the roof | DGI Direct
    complicated roof shapes make it easier for large amounts of snow to gather in tight quarters where ice dams form and leakage problems begin Because there are various ways in which to solve ice damming issues many people will conduct their own solutions This includes using electric cables or simply waiting until the problem presents itself and then picking away the ice with an axe While these solutions have been known to work in the short term CMHC says they carry their own set of risks as drawbacks include damaging the shingles piercing a hole in the roof with the axe or falling from a ladder What s worse the time and energy devoted to these short term solutions doesn t get to the heart of the underlying problem One of the best prevention strategies is by air sealing the attic floor between the house and the attic space How involved a process this can be varies depending on the size of the home and the age of the roof Homeowners may want to consult with a building professional before they further investigate this potential solution Another way to solve the issue before it starts is by insulating the attic Anyone who s gone into an attic during the winter when it s cold out has no doubt experienced how bone chilling it can be That may be because it hasn t been insulated Not only does insulation lock in the home s warmth but it provides a shield from water leaking in CMHC says homeowners shouldn t be stingy about insulation as the quality of insulation material varies considerably Something else CMHC suggests is for homeowners whose roofs need to be replaced When re roofing homeowners can waterproof it by using a self sealing membrane over the roof deck This gives the home that extra layer of protection it needs to ward off leaking issues Some may think that if they don t see a leak in their attic during a winter where ice formation is common that they re safe However leaks are often not readily seen You may have to know where to look before you can know for certain whether it s an issue CMHC says some of the most common places where leaks form are around plumbing stacks or plumbing walls near chimneys light fixtures ducts for ceiling fans balloon frame walls and on staircases that have rounded corners Depending on the location and severity of the leak they can be sealed with something as simple as caulking which can be purchased at any hardware store No matter where leaks are located though it s important to find the source from which it originated Once that s determined you can implement some of these strategies or try something different that a home care professional may recommend You may also want to consider obtaining water damage insurance in the event an unknown leak causes a major problem Sections Auto Insurance Home Insurance Pet Insurance Online Quote

    Original URL path: http://dgidirect.ca/home-insurance-articles/tips-for-homeowners-to-prevent-leaks-in-the-roof/ (2016-05-01)
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  • What to do when your car is flooded | DGI Direct
    this condition can lead to even more damage Car Care Canada says it s best to have the vehicle towed to the nearest auto service technician The mechanic may be able to drain the fluids and replace them with clean sources Even if the transmission fluid and oil aren t diluted Car Care Canada says there are still some other things motorists should check for This includes the air filter If there are any indications it s wet the filter should be replaced and the oil should be changed Look for signs of rust on the undercarriage Another vulnerable aspect to water damage is a vehicle s undercarriage as that s the first thing that high water levels affect Car Care Canada advises looking thoroughly at this area for signs of debris rust and grass or dirt buildup If spotted they should be cleaned immediately Check the headlights Depending on how high the water levels were the vehicle s head and taillights may have been impacted If they contain water the company recommends taking the old lights out and replacing them with new bulbs Listen for unusual noises Visual cues may not be sufficient in order to determine if a car has been damaged by high water levels Car Care Canada says when driving the vehicle listen for abnormal noises Try to mimic these noise as closely as possible as it will help car mechanics diagnose the problem whether it has to do with the alternator the power steering unit or loose wheel bearings Auto insurance claim may be necessary If vehicles have been damaged to a significant degree it may be a good idea to file a group auto insurance claim Policyholders may think that because flood insurance is generally not covered under home insurance plans auto insurers don

    Original URL path: http://dgidirect.ca/auto-insurance-articles/what-to-do-when-your-car-is-flooded/ (2016-05-01)
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  • Ways to reduce the risk of wildfires - DGI Direct
    they should keep in mind the number of windows on a home and if they face large amounts of vegetation The heat that s generated from a wildfire may be able to affect a house more directly if the home has a prodigious number of windows Install fire extinguishers check smoke alarms Other important things to be aware of regarding the house specifically is ensuring a fire extinguisher is installed on each floor of a residence and maintaining smoke alarms throughout the year Smoke detectors should be on every level of a home as well and the batteries should be replaced once a year Create a fire proof zone While these safety protocols can help minimize the damage that results from a wildfire a more important aspect to avoiding these types of blazes is by creating an area in which a fire can t penetrate To do this you must view your yard as a fuel source ICLR indicates Fire will only burn if fuel is present Fuel can include your landscaping woodpiles and decks Extending out a minimum of 10 meters from the home itself homeowners should remove all dry grass brush leaves or anything else that s flammable This survivable space should be increased to 15 meters if homeowners live in an area that s densely populated with forestry and 30 meters for those living on a hillside If there is limited space between trees ICLR says homeowners may want to reduce the number of trees that are in the area Alternatively for trees that are taller than five meters pare back branches that are hanging within two meters of the ground Dead branches should also be removed especially if they are within three meters of the home itself Determine where the nearest water supply source is Another

    Original URL path: http://dgidirect.ca/home-insurance-articles/ways-to-reduce-the-risk-of-wildfires/ (2016-05-01)
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  • Ways to prevent burglaries from taking place - DGI Direct
    tries to break through them The chances of them doing so are limited though because the more noise they make the more likely it is someone will hear it and see what s happening Another way to make a lot of noise is by installing an alarm system that will sound off whenever someone tries to break in When triggered these alarm systems alert police and fire officials who can respond relatively quickly to see what the problem is The III says that alarm systems not only diminish the risk of someone making off with precious valuables but they may also decrease a policyholder s premiums as some home insurance providers offer discounts for people who use them Use strong doors As preventive as locks and alarms are however they ll be of little use if the door is not top quality The III says that outside doors and frames which are ultimately the first line of defense to a property s security should be made of a solid hardwood with a thickness of at least 1 75 inches Hide personal valuables While these measures will make it harder for a burglar to gain access to a residence additional precautions should be taken to diminish losses as much as possible For example identity theft frequently results from home invasions when personal information is stolen from computers Homeowners would be wise to hide personal computers in a safe location so that they re not spotted the III advises Expensive jewelry should also be put under lock and key such as in a safety deposit box Thanks to greater awareness about burglaries the incidence level has diminished significantly throughout the country According to the Conference Board of Canada Canada ranked in eighth place in burglaries based on 2006 numbers giving it a

    Original URL path: http://dgidirect.ca/home-insurance-articles/ways-to-prevent-burglaries-from-taking-place/ (2016-05-01)
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  • Two-thirds of eye accidents occur at home - DGI Direct
    addition be sure to spray at a distance from the face as splatter can hit the eye and cause injury Something people should never do is point the nozzle spray at themselves or anyone else CNIB advises If the user unintentionally presses the spray button it can result in serious accident that may require medical attention In short always point the spray bottle at things that require cleaning never people Also when storing them make sure they can t be accessed by young children who may come into contact with the cleaning agents during play Use splatter guards when cooking Just as cleaning can come with potential eye hazards cooking can as well particularly when frying food over a deep fryer or hot stove To prevent this consider purchasing a grease shield as this prevents hot bubbles from splattering and potentially hitting someone who s in the area in the eye Turn away when opening bottles of wine champagne When alcohol is being served at a party hosts are generally careful about how much is being served to ensure no one leaves the celebration in an inebriated state However the presence of alcohol has been known to cause to eye injury in an isolated number of incidents resulting from the unpopping of the cork bottle To avoid this potential risk factor CNIB says to turn away from the cork when opening the bottle and to encourage others who are in the area to do the same Wear eye protection look for rocks when mowing One of the biggest potential risks for eye injury is when mowing the lawn as tiny pebbles and rocks can be kicked up by the mower s blade For the sake of safety the source recommends wearing sunglasses or safety goggles when walking or riding behind

    Original URL path: http://dgidirect.ca/home-insurance-articles/two-thirds-of-eye-accidents-occur-at-home/ (2016-05-01)
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  • Top things to keep out of cars during heat warnings | DGI Direct
    like fresh meat vegetables fruits and dairy are particularly vulnerable to high temperatures which can lead to the formation of bacteria Drivers should either turn the air conditioning on or transfer these food items into the fridge as soon as possible upon returning home the website notes Take out food While raw foods can be negatively affected by scorching temperatures cooked food can as well Wheels ca indicates As such if left at room temperature for more than two hours consider the food no longer safe to eat Thus if eating in the car on a summer outing dispose of any and all leftovers in the trash if there isn t a cooler or some other cooling resource immediately available Medications and prescriptions Medication may not seem like something that s vulnerable to high temperature but health experts caution that pills left in searingly hot conditions can affect their potency After obtaining them from the pharmacy ensure that their brought indoors the website advises Money Traditionally consumer advocates recommend keeping any money hidden in a safe location if it s being held in the car to avoid the risk of it being stolen But according to the website hot temperatures have led to dozens of instances in which the polymers on new 50 and 100 bills have been damaged Bank of Canada reports Thus experts say money should either be kept on someone s person or taken out of the car temporarily to guard against these heat related issues Electronic valuables Canadians and motorists in general often like to bring electronic devices with them in the car including things like CDs cell phones MP3 players and GPS units But these technology instruments can be rendered useless if they re left in cars that are overheated Not only can they be

    Original URL path: http://dgidirect.ca/auto-insurance-articles/top-things-to-keep-out-of-hot-cars/ (2016-05-01)
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  • Lightning Safety Facts and Myths | DGI Direct
    when they see lightning hit a particular place that s the last time it will ever be hit as lightning can t hit the same thing more than once In reality however the III notes that lightning has been known to strike one particular place not just twice but on multiple occasions These repeated episodes can occur with great frequency on tall pointy objects which is one of the reasons why safety experts say people should not be on high ground during a thunderstorm Myth 2 Lightning can t occur unless clouds and rain are present Something else that people assume is that if there are no clouds overhead lightning can t materialize This is also untrue as the III says the two events can be mutually exclusive Frequently lightning can strike three miles outside of an area that s populated with heavy cloud cover This may help explain why people are encouraged to seek shelter when they hear thunder but don t see a lot of clouds in the sky Myth 3 Lightning rods absorb the energy caused by lightning Another misconception is how lightning rods work These pointy contraptions are typically installed at the peak height of a roof While these serve as a great protection device from being adversely impacted by what results from a lightning strike such as a fire or power outage they don t absorb a lightning strike In actuality lightning rods serve as a go between as they channel a bolt away from the house and lead it to the ground It s the ground that absorbs the electricity that a lightning strike causes III clarifies Consider investing in lightning protection system With this in mind the III as well as Canada safety and insurance experts recommend purchasing a lightning protection system A

    Original URL path: http://dgidirect.ca/home-insurance-articles/lightning-safety-facts-and-myths/ (2016-05-01)
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  • Top 5 most common traffic tickets in Canada | DGI Direct
    been ticketed for is failure to come to a complete stop at a stop sign As Wheels ca notes this is typically done when the motorist sees that no one is around and it looks like they re in the free and clear However the law mandates that drivers come to a full and complete stop when approaching a stop sign or traffic light whether there s a car coming or not Traffic enforcement officers say that most people at least slow down when they re at a light but they ll often roll through it As with speeding citations stop sign and red light running can affect insurance rates for as many as three years the website indicates Failure to wear seatbelt Traffic safety experts often like to say that wearing a seatbelt isn t just a good idea it s the law This is true throughout Canada as independent of age motorists are required to buckle up and are responsible for their passengers being strapped in as well Fines vary depending on the province in which someone is cited for failure to wear a seatbelt Insurers policies similarly vary regarding whether customers will see their rates rise as a result Turning improperly Directional signals come with every vehicle so drivers can telegraph to fellow motorists when they re turning However improper turning can t be forecasted as it s typically done unintentionally Nevertheless whether motorists were aware their turn was improper or not they can be cited for it especially if the turns related to entering a prohibited area or the wrong lane This safety hazard is grounds for a citation and a possible impact to insurance rates Wheels ca notes Reckless driving Careless driving has fast become one of the most prevalent violations among motorists primarily as

    Original URL path: http://dgidirect.ca/auto-insurance-articles/top-five-most-common-traffic-tickets-in-canada/ (2016-05-01)
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