Posts Tagged ‘insurance policy’

Environment Canada Confirms Tornado Touchdown Near Taber, Alberta

Friday, June 8th, 2012

This past Tuesday brought more than an impressive storm to Taber, Alberta.  Four twisters were reported in the area and one touchdown was confirmed by Envirnoment Canada.  Although the tornado caused damage to trees and buildings, thankfully no one was hurt. 

So what would YOU do if a Tornado was imminent?  I started pondering this myself and realized that in no way would I be prepared for a twister and its aftermath if my home were in its path of destruction.  Yes, I’d head to the basement and gather my family in the most fortified corner I could find, but what then?  Assuming we did indeed get hit but survived unharmed, would we be prepared for what came next?

So, what would one need in the aftermath of a twister?  Ahhh… yes, flashlights, of course!  Where are my flashlights?  At present, they’re not in the basement.  Strike one for me.  It hardly makes sense to have them scattered all over the upper level but not where I’d be stationed while riding out the storm.  I might survive, but the hunt for my scattered belongings would be futile.  Mental note:  keep some flashlights downstairs.

What else… water.  Yup, simple H2o.  Lots of that in the faucets, but would I be able to ‘tap into’ that supply in an emergency?  Probably not.  Okay, gotta keep some water bottles in the basement near the flashlights.

Hmmm… food, of course.  I don’t know about your kids, but mine are hungry 24/7.  Peanuts and chocolate are relatively non-perishable.  I’ll be sure to pack up a few Mars bars with the water and flashlights.

So here I am realizing very quickly that what I really need is an emergency kit.  We’ve heard it before, but how many of us have actually compiled some essential items to get us through the worst of a disaster? 

Don’t wait for a storm to hit you.  Get to work now and prepare an emergency kit for your family. 

Here are a few essentials that should be in your kit:

  • Water.  Have enough for each member of the family – including pets – for a period of 72 hours.  And remember, water isn’t just for drinking.  You will need water for washing and maintaining a minimal degree of personal hygiene.  Two litres per day per person is the standard.
  • Food. Again, keep the 72 hour rule in mind.  Choose small yet nutrient- and energy-packed items such as chocolate bars, nuts, and canned goods. 
  • Manual can opener.
  • Flashlights – lots of them!  Consider investing in crank operated flashlights and radios.
  • Batteries for any necessary electronic devices.
  • Extra keys for your home and automobiles.
  • First Aid kit.  Consider purchasing a comprehensive First Aid kit from a pharmacy.  They often come with tips on administering First Aid and other valuable information.
  • Money.  Cash in small amounts and denominations. 
  • Special items for specific needs.  Medication, baby formula, equipment for those with particular medical or developmental needs. 

Some other items to consider:

  • Clothing.  Especially footwear. 
  • Sleeping bag, blankets and other heavy textiles to keep you warm and dry.
  • Pet food.
  • Garbage bags.  They come in handy for protecting from moisture and can be used to shield you from rain.
  • Toilet paper and personal hygiene items.
  • Reading glasses.
  • Scissors, Swiss army knife, utensils.
  • Whistle or blow horn.
  • Hand sanitizer.
  • Important family documents such as wills, birth and marriage certificates, insurance policies, etc.
  • Games, books and toys to keep kids preoccupied and calm in stressful times.

Store the items in a large and easily accessible waterproof container, and include an empty backpack or two so that you can transport the items easily if necessary.

The Canadian Red Cross has developed a disaster preparedness kit to take the guess-work out of preparation.  For more information on this, visit their website.

Insuring Your New Gadgets

Friday, January 27th, 2012

The last few weeks of 2011 saw more eBook readers and tablet computers sold than ever before. There is a good chance that one of these gadgets found their way into your Christmas stocking. It won’t have taken you long to realize that the items are extremely portable and will become obvious theft fodder. So how do you protect your wallet in case the worst happens?

Sales numbers

Just how many people received a new Kindle, Nook, iPad or Samsung tab isn’t known because most of the companies involved do not and will not relay their sales figures in exact numbers. Amazon did let it slip that they were selling over one million Kindle items a week before Christmas.

Amazon’s own charts showed the Kindle Fire as their number one sales item followed by the Kindle Touch and the plain Kindle.

You can find out that Apple has sold over 40 million iPads and with Kindle Fires at half the price or less of an iPad, then you can expect your neighbors to have a new one.

Not selling to Canadians

You’ll have some problems getting hold of one of these in Canada. Amazon has restricted the models it will sell here – you cannot buy a Kindle Touch or a Kindle Fire, but you can buy the basic model or the older version with a keyboard.

Barnes and Noble won’t sell you a color Nook or a Nook tablet. Hopefully the dates that they will ship over the border will change soon, thus relieving Canadians from devious tactics to get hold of the latest gadget.

To date, if you wanted the better models, you needed a US shipping address for the model to be delivered. This doesn’t cause Canadians too many problems. Since you all know someone down south who will carry out this task for you it was quite foolish of Amazon and others to inflict this problem north of the border. Do not panic as far as insurance is concerned, because even if you have the items Amazon doesn’t want to sell you in Canada, you own them legally in Canada and therefore, need insurance cover.

Insurance worries

You should talk to your insurance broker and find out if your new gadget is covered by your current insurance policy. If it isn’t, you should have it added to your policy quickly. If that involves any extra premium, you will know it is worthwhile should your toy go for a long walk without your permission.

The other important thing to determine is the type of cover your policy says you have. It is all good if your tablet is covered for home use, but the more portable models are likely to spend as much time away from your home as in it. Are you covered?

Business thoughts

Your company’s business insurance might cover your computer items when you work at your customer’s location or while travelling, but will it cover you for your new Kindle or tablet? Review your coverage with your broker to be sure you’ve got the protection you need.

Keeping your gadget safe

About 10% of people lose their cell phones every year. Despite knowing that cell phones are best protected when they are kept in a briefcase, pocket or somewhere else safe, they still go missing. How many are lost and how many are stolen are unknown figures. Cell phones are easily scooped up in the hand by a predator. You should be able to see a 10 inch laptop leaving its rightful owner, but the 7 inch devices like tablets and eBook readers are much easier to slip into a pocket. Know where yours is and look after it extra carefully. You wouldn’t want to become a statistic and lose your private downloads. When it’s not safely locked away, keep a hand on it.

Liz Holden has lived all over the world and is well versed in US and Canadian investments, but she currently works for a savings rates comparisons firm in London, England.

 

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.

Featured Product of the Day: Critical Illness Insurance

Friday, October 1st, 2010

Critical Illness Insurance covers you for a selected list of catastrophic illnesses and events which can have a severe impact on you and your family.  It can be used to protect stay at home parents, single people who would need extra help if they had a covered illness, self employed individuals and people without disability income insurance.  This insurance pays you a lump sum benefit and you are able to determine its uses such as paying for your regular monthly expenses, offsetting your loss of income, paying off debts, paying for other expenses related to your illness and rehabilitation.  Critical Illness policies are very affordable and can be customized to your family’s needs.  Click here to find out how little a quality policy will cost.

BRAMPTON AUTO INSURANCE. GET A QUOTE TODAY.

Sunday, August 29th, 2010

Brampton auto insurance: get a quote

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Brampton auto insurance: get a quote

Thursday, August 26th, 2010

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