Every year, we all pull out our wallets and ramp up our generosity as the spirit of giving takes over. Whether giving a gift, hosting a dinner, throwing a party or just spending time with family and friends, we all do what we can to enjoy the holidays and make them as much fun as possible.
If you’re like most people, you work hard all year long so you can relax and enjoy a vacation for a few weeks of the year. Believe me, I know how good a holiday feels and I look forward to my time off just as much as anyone else. But a big part of being able to enjoy that time away is knowing that my property is protected while I’m gone.
Last week, I was north of High Bluff and around the Elm Creek area when all of the local farmers were busy hauling tanks trying to get their anhydrous on the fields. Portage Agri Sales and Munro’s were out in full force. It was like driving in a city and all I could think about was that there was a huge exposure for loss if an accident occurred, whether it was two vehicles colliding or the overturning of a tank. I wondered if all the farmers had policies that offered proper protection.
Recently, a client of mine asked about her homeowner’s insurance policy as she had just inherited some valuable jewellery. I informed her that she should have the jewellery appraised and get it ‘scheduled’ on her policy. I could tell by her puzzled look that she hadn’t heard about scheduling.
Now that October has arrived, cold season is just around the corner; and I don’t mean the common cold. I’m talking about winter; we all remember what it means to be a Manitoban.
With the coming of winter and the drop in temperature that’s sure to tag along, home and business owners need to turn their attention to getting prepared so they aren’t caught off guard, risking weather-related damage to their property.
No one likes making an insurance claim. After all, it usually means that something bad has happened and that your home or business has incurred damage or loss. But face it; life doesn’t always go as planned.
When that day comes, will you know what to do? Will you be ready to handle all the questions? Are there things you can do to make your claim process go as smoothly as possible?
Before calling your broker, it’s important to determine what type of claim you have and then make the appropriate call.