Posts Tagged ‘Bracebridge’

Are you headed for Cottage Country?

Wednesday, May 23rd, 2012

Well, it’s pretty much official; the 2012 cottage season has begun!

The recent Victoria Day long weekend marked the start of what promises to be a hot, dry summer.  All the better for boating and hanging out on the dock. 

But the lack of rain can be a curse as much as a blessing, and brings concern to Cottage Country Fire Departments throughout Ontario. 

Muskoka’s fire danger rating has just been escalated to ‘Extreme’, meaning that an all-out fire ban is in effect.  This means that NO fires of any type are permitted, including fires for cooking or warmth, and NO fireworks allowed. 

Cottagers are reminded that the Muskoka Fire Season runs from April 1st to October 31st each year.  The rating is verified daily and updated whenever the rating changes. 

Even when the rating and danger level are reduced, Municipal By-laws remain in place to limit the type and size of fires permitted.  For example, the Bracebridge Open Air (Outdoor) Burning By-law is as follows:

ALL FIRES:
Must not be larger than 2 metres (6.5 ft) in diamater or height.
Must not be closer than 2 metres (6.5 ft) to flammable materials.
Must not be closer than 5 metres (16.5 ft) to any forest, woodlot or structure.

Setting or permitting a fire of any type during periods of dry conditions, drought or high winds or when prohibition agains open burning has been declared by the Chief Fire Official or his designate is stricgly prohibited.

Setting or permitting a fire to burn that causes (through sparks, smoke or unpleasant odour) discomfort, irritation, nuisance or danger to any person residing in the general area of the fire is strictly prohibited.

CAMPFIRES:
Campfires for cooking or warmth purposes are permitted throughout the year in all four fire zones at any time of the day or night.  Under no circumstances may camp fires be used as a method of burning yard waste (leaves, pine needles, grass or green wood).
Campfires must be fuelled by dry wood only and must be supervised at all times.
There must be an adequate supply of both tools and water for all campfires.
The tools and water must not be removed until such time as the fire has been completely extinguished.
Campfires for warmth and cooking are NOT PERMITTED WHEN A FIRE BAN HAS BEEN DECLARED.

SLASH PILE FIRES:
A slash pile involves the burning of natural materials such as brush, trees, yard waste and vegetation (other than grass) including leaves.
Slash pile fires are only permitted in fire zones 2, 3 and 4 (rural areas) between the period of November 1st and March 31st only.
No slash piles are permitted between the period of April 1st to October 31st.
As with campfires, slash pile fires must be supervised at all times and there must be an immediate accessible and adequate supply of tools and water available to extinguish the fire if necessary.

The information above is only a summary of the Open Air Burning By-law.  The full text of the By-law is available at the Town of Bracebridge website,  By-law 2008-039 or you can obtain more information by contacting Bracebridge Municipal Law Enforcement Department at 705-645-5264.

Closing up the cottage for winter

Tuesday, November 15th, 2011

Here are some great tips and words of advice when closing up the cottage for winter, from the Canada Safety Council.

Closing Up the Cottage for the Winter

Now that the lazy days of summer are over, Canadians are getting ready to close up the cottage for the winter. Although every cottage is different and every cottage owner’s closing checklist is different, here are some basics to keep in mind.

Water Supply

If your cottage is not winterized, you can take steps to prevent your water supply line from freezing during the winter. You don’t want to arrive there next spring to discover the consequences of not having drained the pipes before you close up this fall. Frozen pipes can burst, causing damage and meaning you’ll have no running water.

Pipes can be fully drained when you’re closing up the cottage. The water supply line can be filled with non-toxic anti-freeze made especially for supply pipes. And pipes that are carefully wrapped at key junction points are better protected against the cold.

As part of your maintenance routine you should also check the inside of your hot water holding tank for residue that can affect water quality and get caught in the faucet screen. Also, you should have your water analyzed regularly by a lab to ensure its quality, especially if the water suddenly shows a yellow or brown tinge. A filtration system can significantly increase the purity level and lessen the wear-and-tear on your cottage water system.

This is also the ideal time to thoroughly check your plumbing and faucets after a summer’s wear-and-tear.

Wildlife

Damages from small animals such as mice and squirrels are a concern to cottage owners. Avoid using poisons to keep out these critters that love to move in when you move out. You should remove all food from cottage before you close it. Bats, mice and squirrels can wiggle in through the smallest of holes. Inspect the building inside and out to make sure there are no small openings for them to enter. Place a wooden cover on the chimney to discourage birds and small animals from entering, and to stop any rain or snow. Tightly close your fireplace damper to prevent animals from getting in.

Electrical system

Some people choose to shut off electricity to their home in the off-season by throwing the main switch at the fuse box. If you do this, be sure to turn off all major appliances, your water heater, and electrical room heaters before you turn off the main switch. This will ensure a smoother and safer start-up when you re-open your home.

If you leave your electricity on to operate security systems or lighting, you should turn off the power supply to your major appliances at your main panel. Turn off the power supply to any space heaters. Otherwise they may turn on during cold weather.

To ensure the stove, fridge and other electrical equipment are not used in your absence, remove fuses and hide them in a safe place.

Visually inspect your hydro metre and power lines for damage. If a power line is down or damaged, stay clear and call your Hydro Company. Inspect visible wiring to outdoor lighting fixtures, water pumps and other equipment. If wires are damaged, remove the fuse to that circuit or turn off the circuit breaker, and call a qualified electrician.

Check all household appliance cords. If damaged, unplug the appliance and do not use it until the cord is replaced. If your electrical panel uses fuses, make sure they are screwed in tightly and that you have spares. Don’t use fuses higher than 15 amps in normal receptacles and lighting circuits.

Boat Motors and other power equipment

When storing power boating motors and other power equipment do not drain gasoline from fuel tanks, instead use a fuel stabilizer (available from your dealer or auto parts store). Winterize your engine(s) away from the water. Store boat motors, lawnmowers and other items with engines in a dry, weatherproof place. Cover anything that may rust over the winter with a coat of oil.

If your cottage is in a heavy snow area, consider installing temporary supports to protect the roof from caving in. Another option is to hire a reliable local person to shovel the snow off the roof when necessary.

And remember that time spent in preventative measures now will pay significant dividends next spring when you open the cottage for next year’s season.

IBAO urges boaters to be careful when out on the lakes this weekend.

Tuesday, July 5th, 2011

June 30, 2011 (Toronto, Ontario) Today, the Insurance Brokers Association of Ontario (IBAO) is reminding Ontario citizens to practice water safety while enjoying Ontario’s lakes and waterways this Canada Day long weekend.

According to BOATsmart, Canada’s officially recognized boater licensing body, over 100 people die in boating-related accidents and approximately 6,000 people suffer non-fatal injuries across Canada’s waters every year.

The Ontario Association of Chiefs of Police (OACP) provides the following tips for staying safe while boating this summer:

  • Get your BOATsmart card. All operators of motorized vessels require a Pleasure Craft Operator Card. Visit BOATSmartExam.com for more information.
  • Check your safety equipment.
  • Know the rules of the water and know your lake. Markers and buoys indicate the most preferred and safest routes for navigation and also mark specific hazards before you head out.
  • Leave a trip plan with a responsible person in case of emergency.
  • Alcohol and Boating don’t mix- Ever.
  • Wear a personal flotation device (PFD) or Lifejacket. Make sure everyone on the boat is fitted with an approved PFD.
  • Stay safe and stay clear around dams, hydroelectric stations and surrounding waterways.

“Ontario brokers have always had a vested interest in informing and protecting citizens in this province,” said IBAO CEO Randy Carroll. “Many Ontario families will be enjoying the beautiful waters this weekend and we want everyone to enjoy Canada Day long weekend while practicing water safety.”

Insurance brokers are known for their commitment to their community and keeping Ontarians safe.

About IBAO

The Insurance Brokers Association of Ontario (IBAO) is a ‘not for profit’ association that represents and serves the interests of over 11,500 independent Property & Casualty Insurance Brokers in the Province of Ontario. For information about IBAO, visit www.ibao.org or www.ibao.org/blog to receive timely news and information updates. You can also follow IBAO on Twitter or join the IBAO Facebook Fan Page.

Quote yourself! Competitive home and property insurance rates online.

Monday, July 4th, 2011

Our 24/7/365 service is availabe to you for getting the best insurance rates for your home and property needs.  Access our quoting tool here.

Need coverage for your RV or trailer? Check us out.

Monday, July 4th, 2011
Recreational Vehicles (RVs) come in many forms – travel trailer, camper, mobile home, campervan – and are subject to a variety of different regulations, laws and insurance requirements depending on design, use and where it is located.  For example, if located in Ontario and used in connection with an automobile, the travel trailer may be covered under the auto policy for Third Party Liability, Accident benefits, Uninsured Automobile and, under certain conditions, Direct Compensation Property Damage (DCPD), providing the trailer does not exceed a certain weight, is not designed to carry passengers or for living in, or for commercial purposes.  Collision and/or Comprehensive and DCPD require the trailer to be described on the policy at additional cost. If the RV is drive-able on its own, then the appropriate insurance must be obtained via your auto insurance provider. For a quote for RV insurance, click here.  A quote is just a click away.

Before launching your watercraft…

Friday, May 20th, 2011

 

Safe boating regulations are federally mandated in Canada by Transport Canada and the Canadian Coast Guard. Regulations for Ontario are therefore no different from the rest of Canada, with the exception of blood-alcohol limits, which are set at the provincial level. Not complying with safe boating laws can result in the suspension of your motor vehicle driving license in your home province, fines and/or imprisonment.

Pleasure Craft Operator’s Card

All recreational boaters in Ontario must obtain a Pleasure Craft Operator’s Card (PCOC), unless they are renting a boat for a short period of time. Cards are issued once an individual passes a Canadian Coast Guard accredited safe boater’s exam and are valid for life. The PCOC was phased in beginning in April 1999. As of September 2009, all boaters now have to carry their PCOC regardless of age or the size of the watercraft. All operators must comply with Canadian Marine laws, such as posted speed limits. Learn more about the BoatSmart exam.

Age Restrictions

Those over the age of 16 do not have any restrictions on the types of watercraft they can operate. Those under the age of 12 can only operate a boat of up to 10 horsepower, and those between the ages of 12 and 16 can only operate a boat of up to 40 horsepower. Boaters must carry their PCOC regardless of age or horsepower restrictions.

Safety Equipment

The safety equipment required on board varies depending on the size and type of boat. All boats are required to have on board: A lifejacket or personal flotation device for every person, a 15 meter long buoyant heaving line, a reboarding device, a bailer or bilge pump and a sound signalling device, such as a whistle. If the boat is motorized or over 6 meters in length, you are also required to carry a watertight flashlight and six flares (Type A, B or C). If you are operating the craft at night, you are required to have navigation lights. All motorized boats are required to have a fire extinguisher on board and either an anchor with a chain or a manual propelling device, such as a paddle.

Alcohol Restrictions

Boat operators are subject to the same blood-alcohol level limits as motor vehicle operators in the province where they are boating. In Ontario, those found operating a boat with a blood-alcohol level between 0.05 and 0.08 will have their boat and motor vehicle licenses suspended overnight. Those with a blood-alcohol level over 0.08 will have their boat and motor vehicle licenses suspended for 90 days.

Waterway Restrictions

Some waterways will also have posted speed limits or other posted restrictions about the type of watercraft allowed. For instance, in busy waterways, there may be posted restrictions on waterskiing or on holding a regatta. For your own safety and that of other boaters around you, always comply with posted restrictions.

Driving Rules

You must always maintain a lookout while operating a boat and have a spotter on board if you are towing anything. In general, always pass other boats on the starboard side. Motorized boats have an obligation to steer clear of sail boats and to leave sufficient room to pass one another. Never try to spray swimmers or to jump the wake of another boat.

Lots of snow in Muskoka. Is it time to shovel the cottage roof?

Tuesday, February 8th, 2011

Snow Squall warning in effect for Bracebridge and Muskoka.  Your cottage roof is covered in snow, but is your cottage covered by the right insurance policy?  Would it respond to a collapse?  Let the Moore-McLean Insurance Group review your policy to ensure you’ve got the right coverage for the right price.

Snow Squall watch

Issued at 3:23 PM EST Tuesday 8 February 2011

Summary

..Snow squalls with blowing snow and local heavy snow possible beginning Wednesday afternoon..

Details

Lake effect flurries will affect the regions tonight with a few cm of snow expected in many areas as the flurries will be locally heavy at times. However conditions will become more favourable for the lake effect snow machine to crank up into a higher gear beginning Wednesday afternoon. Snow squalls may develop giving local snowfall amounts of 15 cm per 12 hours along with local near zero visibility in whiteout conditions from blowing snow and bursts of heavy snow. Driving conditions will deteriorate by Wednesday afternoon. Local nil visibility and accumulating snow may cause hazardous winter travelling conditions as a result. Environment Canada is closely monitoring the situation and may issue snow squall warnings as the event draws closer.

100 Free Things To Do With Your Grandkids

Tuesday, January 25th, 2011
100 Free Things To Do With Your GrandkidsPlay, learn, and create things together!

Read more: http://www.grandparents.com/gp/fllpg/dnld/index.html#ixzz1C5C7X41F

Auto Insurance Quote

Tuesday, December 14th, 2010

Insurance quotes at your fingertips!  Use our easy online insurance quoting tool to get great rates on your auto insurance.  Available for Brampton, Mississauga, Toronto, Guelph, Kitchener-Waterloo, Hamilton, Oakville, Burlington, Caledon, Orangeville, Acton, Georgetown, Whitby, Oshawa, Ajax, more…  Don’t delay – get a competitive quote today.  Visit http://mooremcleaninsurancegroup.com/auto.php to use our online quote tool.

Storms and lightning cause widespread damage in Cottage Country

Friday, October 1st, 2010

Almost without warning, some wicked storms touched down in the Muskoka Lakes area recently, wreaking havoc on residents and cottagers alike. Powerful winds knocked down trees and hydro poles, leaving thousands in the dark and without power. But as if the winds were not enough, Mother Nature decided to add her own fireworks, causing 3 separate buildings to go up in flames as a result of lightning strikes.

In Bala, lightning hit a tree, causing a fire that quickly spread to a large cottage. Despite the efforts of 3 fire departments, 11 fire trucks and a fire boat, the 1400 square foot cottage could not be saved.

Earlier this month, a home near Magnetawan suffered more than $50,000 in damages following a fire thought to be caused by lightning.

More recently, Ashby Glass Studio in Bracebridge was left in ruins after lightning ignited the studio.

Fire is not the only risk to cottage property; damage caused by water and wind during the winter and early spring accounts for most insurance claims. Cottagers are reminded to take steps to protect their property prior to closing up their cottages for the winter.

You can’t control Mother Nature, but you can control your insurance policy. Be certain that your policy covers the total value of your property and includes coverage for risks most prevalent in your neck of the woods.

For a comprehensive review of your cottage policy, contact your broker.