Access Insurance Group https://www.accessinsurancegroup.com Alberta Insurance Broker Thu, 13 Sep 2018 20:59:02 +0000 en-US hourly 1 https://wordpress.org/?v=4.9.8 /wp-content/uploads/2018/08/cropped-access-insurance-logo-3-32x32.png Access Insurance Group https://www.accessinsurancegroup.com 32 32 Protecting Your Home From Water Damage /protecting-your-home-from-water-damage/ /protecting-your-home-from-water-damage/#respond Thu, 21 Jun 2018 16:09:02 +0000 http://www.accessinsurancegroup.com/?p=3545 As our climate changes, water damage is becoming more of a problem. Water damage can be costly to repair, but there are many things you... Read more »

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As our climate changes, water damage is becoming more of a problem. Water damage can be costly to repair, but there are many things you can do around the home to prevent it. Here are some tips to help you keep everything dry.

Your Plumbing System

Plumbing is one of the most important things in your home to check regularly.

  • Inspect pipes, drains, taps and fixtures like toilets, showers, baths and sinks, frequently.
  • Keep a lookout for leaks from water heaters, dishwashers, washing machines, humidifiers, sump pumps and other appliances.
  • Install a water detection and automatic shut-off system to prevent water damage inside your building. (See below for more information)
  • Take appropriate steps ahead of the cold weather to prevent pipes from freezing.
  • Mark water supply pipes clearly so they are easy to find in an emergency.
  • Check that water is draining away properly from the basement and from outside the building.
  • Make sure that drainage hoses from appliances such as the washer, dishwasher and refrigerator are made of flexible metal and have been connected by a certified professional.
  • Install a sump pump with a backup power supply.

The Water Heater

A water heater that is more than 10 years old is prone to leaks. The damage can be considerable with these types of leaks because of the water pressure inside the tank.

The problem with hot water tanks is that there is often no sign of deterioration until it’s too late. That’s why it’s a good idea to replace your water heater as it nears the end of its lifespan. You should have it replaced by a certified plumber within two years of that date, if not sooner.

In the meantime, you can reduce the risk of a leak by taking the following precautions:

  • Check whether there are floor drains near the water heater.
  • Install drip pans that are connected to a drain if the water heater is installed on any level above the basement.
  • Make sure that the first 18 inches of the hot water line, or longer, are composed of copper pipe.

Windows and Other Openings

Any opening to the outside needs to be checked frequently. Inspect the edges of attic windows and skylights closely, from inside and outside, to see whether there is any chance of leakage. If you notice dampness or mould, water seepage is a likely cause.

Outside Drainage

Large accumulations of water outside the building can quickly cause serious repercussions. Don’t take chances!

  • Keep storm sewer grates clear of leaves and debris.
  • Disconnect downspouts that drain directly into the sewer system and redirect them so that they are least two metres away from the building foundation.
  • Check downspouts to ensure water is draining properly from the roof.
  • Make sure the building lot is graded so that water drains easily away from the building walls and foundation.

What is a Water Detection System?

A water detection – or leak detection – system can prevent water damage caused by leaking plumbing fixtures or pipes. Sensors are installed in strategic areas of the home, such as water lines, sprinklers and major appliances. When the sensor detects water, it sends a signal to an alarm panel and a monitoring station immediately alerts you to the problem. Some systems come with an automatic water shut-off valve that shuts off the water supply.

Make sure that your property, automobiles and RV’s are insured properly. Review the coverages with a specialist at Access Insurance Group. Get advice, a quote or make a change anywhere in Alberta or in person at one of our locations in Edmonton, Stony Plain, Red Deer, Lacombe, Lloydminster, and Olds.

 

Get A Quote Today!

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/protecting-your-home-from-water-damage/feed/ 0 10 Tips for Keeping Auto Rates Low /10-tips-for-keeping-auto-rates-low/ /10-tips-for-keeping-auto-rates-low/#respond Fri, 01 Jun 2018 16:03:24 +0000 http://www.accessinsurancegroup.com/?p=3526 Auto premium rates vary based on a variety of factors. Knowing how premiums are calculated can help you control the cost of your insurance. What... Read more »

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Auto premium rates vary based on a variety of factors. Knowing how premiums are calculated can help you control the cost of your insurance.

What affects rates?

  • Size and performance of your vehicle. Smaller cars can cause your premium to be higher because they sustain more damage in collisions. High-performance vehicles, such as sports cars, tend to be driven more aggressively and therefore often incur a higher premium.
  • Value and age of your vehicle. The more expensive and new a car is, the higher the premium.
  • Vehicle usage and location. The more kilometres your vehicle has travelled, the higher the premium. Additionally, where you drive and store the vehicle affects your rates as well. If you are in a more densely populated area, with a higher risk of theft or accidents occurring, your premium will also be higher.
  • Age and gender. Statistically, younger drivers are at a higher risk of getting into an accident than older drivers. Additionally, studies show that males under the age of 25 get into more collisions than females. Some provinces adjust premiums for different statistical groups to reflect these findings.
  • Your driving record. Drivers with past claims are more likely to have future claims. Because of this, your driving history directly affects your auto policy rates.
  • Your deductible. If you choose to pay a higher deductible, your premium will be lower. Keep in mind that this means you need to have more cash on hand if an accident occurs.

How can I control my rates?

Many carriers offer discounts based on your vehicle’s safety features—such as anti-lock brakes or anti-theft devices—or for having multiple cars on one policy. Your behaviour as a driver can also impact your rates.

Here are some tips for keeping your premium low:

  1. Research before you purchase. Find out how the size, performance, value and age of the vehicle you are looking to purchase will affect your premium compared to other vehicles you may be considering.
  2. Choose a higher deductible, but make sure to stay within your means.
  3. Don’t drive while under the influence of drugs, alcohol or fatigue. As well, you should never text and drive. Avoiding these behaviours will lower your chances of getting into an accident, which will help your driving record stay clean and your premium low.
  4. Drive defensively.
  5. Drive less: walking, riding your bike or taking alternative transportation can help you qualify for an infrequent driving discount.
  6. Consider purchasing a car with more safety features.
  7. Install an anti-theft device. This is an easy way to deter one type of car emergency that would raise your premium.
  8. Keep your credit in good shape.
  9. Consider excluding high-risk drivers in your household from your policy. If you choose to do this, make sure these drivers do not get behind the wheel of your car.
  10. Ask Access Insurance Group Ltd about multi-policy discounts.

Learning about how automobile insurance rates are determined helps you navigate varied rates. You can then make smart auto buying decisions, and control the cost of your insurance. If you have questions about your auto premium, contact Access Insurance Group Ltd today.

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Five Steps to Understanding the Value of What You Own /five-steps-to-understanding-the-value-of-what-you-own/ /five-steps-to-understanding-the-value-of-what-you-own/#respond Tue, 15 May 2018 14:24:56 +0000 http://www.accessinsurancegroup.com/?p=3464   Do you know the total value of your possessions? You likely have a sense of the major things you own, but the complete picture... Read more »

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Do you know the total value of your possessions? You likely have a sense of the major things you own, but the complete picture can prove difficult to discern. If ever a catastrophe or robbery strikes, your insurance company will ask you to estimate the cumulative worth of your belongings so that you can receive the correct compensation. This can be daunting. No need to worry: by following the steps below you will be able to compile an accurate estimate.

1. Start Big, Go Small

Over time, your home and life have likely become increasingly cluttered with possessions. When making a list and assigning values, start with the bigger stuff (e.g. house, jewelry, art, etc.). This way, you can ease into the process. By the time you get to socks and sundries, you’ll be an expert. As you go, film and photograph everything so you have concrete evidence.

2. Consider the Variables

Of course, the things you own seldom hold their value. In fact, everything will either appreciate or depreciate over time; when doing the math, try to account for this. Also, talk to your insurance broker about the specifics of your policy and whether you will receive payment for a replacement without deduction for depreciation or the item’s value at the time of loss.

3. Ask an Expert

Chances are, you will not have expert knowledge about all of your effects and what they go for. Feel free to reach out to an expert for specific items. For example, if you don’t know what that piece of art you bought a decade ago is valued at, try asking an art dealer.

4. Backup Your List

When you have a solid account of your things, type it out, back it up, then back it up again. You may choose to email it to yourself, store it in the cloud, find a safety deposit box, or share it directly with your insurance company. Furthermore, if you can, keep paper records, tax files, receipts, warranties, government papers, and so on, in an offsite location.

5. Update as You Go

Your possessions can evolve: some material goods you have acquired may gain additional value. Once you know what you have, revisit it every few years to maintain its accuracy. To streamline the process, keep records and receipts every time you make a new purchase.

women biting pencil

So, now you know how to determine the value of what you own. Talk to your insurance provider to ensure you have the right coverage for your situation, and update it as needed.

Make sure that your property, automobiles, and RVs are insured properly and review the coverage with a specialist at Access Insurance Group. Get advice, a quote, or make a change in person at one of our many Alberta locations, including Edmonton, Stony Plain, Red Deer, Lacombe, Lloydminster, Olds, and Vermilion.

If you have any inquires, contact us here.

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Alberta’s New Impaired Driving Laws /albertas-new-impaired-driving-laws/ /albertas-new-impaired-driving-laws/#respond Tue, 01 May 2018 18:56:47 +0000 http://www.accessinsurancegroup.com/?p=3453 The Government of Alberta recently passed an act to reduce cannabis- and alcohol-impaired driving, which will come into force on April 9, 2018. The act... Read more »

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The Government of Alberta recently passed an act to reduce cannabis- and alcohol-impaired driving, which will come into force on April 9, 2018.

The act is designed to deter impaired driving, reduce collisions, and ultimately save lives. This is particularly important given that, between 2006 and 2015, there were 1,001 traffic fatalities and over 15,000 injuries in Alberta, as a result of alcohol- or drug-impaired driving.

Government officials believe that the act provides Alberta with the necessary framework to continue to deter and deal with impaired driving in the province. The following is a summary of the four new impaired driving laws:

1. Suspensions—Under the new rules, any driver found to be impaired by drugs or alcohol will receive a 90-day licence suspension. The act defines impairment as follows:

  1. Drivers found to have a blood alcohol concentration of 0.08 or more
  2. Drivers found to be impaired by drugs or a combination of alcohol and drugs
  3. Drivers who fail or refuse to a breath or blood sample

Following the suspension, drivers are required to participate in a one-year ignition interlock program. Should the driver choose not to participate in this program, their licence suspension will remain in place for a full-year term.

2. Provincial Sanctions—The act outlines the provincial sanctions. This means that, in addition to any provincial consequences, drivers are subject to any criminal charges and penalties imposed by the court system.

3. Graduated Driver Licensing (GDL) Program—GDL drivers found with any amount of alcohol, cannabis, illegal drugs or a combination of these substances are subject to a 30-day licence suspension, seven-day vehicle seizure and a lengthened term in the GDL program. This represents a zero tolerance policy for GDL drivers.

4. Alberta Transportation Safety Board Procedural Updates—In an effort to streamline their processes, new limits will be imposed on the number of reconsiderations the Alberta Transportation Safety Board is required to hear in the absence of new evidence. It should be noted that drivers have the right to an immediate second breath or blood test to confirm their blood alcohol or drug concentration. Drivers may use this data to appeal sanctions to the board.

Albertans can expect future changes to the act as the province plans to enforce upcoming revisions to the federal impaired driving charges found in the Criminal Code of Canada. Among these upcoming revisions, the government will propose blood drug concentration limits for cannabis.

The Government of Alberta will be ready to enforce criminal-level provincial sanctions for drug offences once the federal legislation receives royal assent.

To learn more about the act, click here.

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Support Stars /stars/ /stars/#respond Mon, 23 Apr 2018 17:44:08 +0000 http://www.accessinsurancegroup.com/?p=3440 Access Insurance is proud to stand with the men and women of STARS who offer time, hope, and life-saving transport to critically ill and injured... Read more »

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Access Insurance is proud to stand with the men and women of STARS who offer time, hope, and life-saving transport to critically ill and injured patients.

Did you know that less than half of the population in Western Canada resides in a major urban centre and has access to critical care within minutes? For the other half, access is hours away.

The STARS mission is simple – to save lives. But being a hero doesn’t come easy. Many crewmembers need their mental health restored in the aftermath of being an emergency responder.

http://starshorizons.ca/who-helps-the-helpers/

Why do you support stars? Utilize the STARS hashtag #ISupportSTARS and let them know.

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Five Little Mistakes That Could Cost You Big on Car Insurance /five-little-mistakes-that-could-cost-you-big-on-car-insurance/ /five-little-mistakes-that-could-cost-you-big-on-car-insurance/#respond Wed, 21 Feb 2018 07:00:35 +0000 http://www.accessinsurancegroup.com/?p=3354 Canadian law requires all drivers to hold auto coverage. Specific requirements may vary from province to province as well as insurance plans, so it is... Read more »

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Canadian law requires all drivers to hold auto coverage. Specific requirements may vary from province to province as well as insurance plans, so it is up to you to make sure that your package includes all that you need.
To ensure you make the right choice and avoid significant costs in the future, consult an insurance broker and beware of these five common mistakes.

1. Missing out on discounts

Every plan is different, so talk to an insurance broker to find the right one for your specific situation. During that conversation, ask about if and how you qualify for various discounts. For instance, drivers with anti-theft devices, certificates from approved training courses, or claims-free records could all be eligible to receive a discount. Other potential discounts, depending on your province, include mature drivers, summertime-only vehicles, and multiple vehicles in the same household.

2. Holding a Balance on Premiums

Many people pay their premium in instalments rather than in a single payment, which can ultimately cost them more. Paying premiums monthly or three times a year means that you will pay a lower amount per instalment. However, you may also have to pay an instalment fee. The amount you pay could vary, depending on whether you bundle your home and auto insurance. Additionally, late or missed payments incur fees and can even lead to the cancellation of your policy, driving costs way up. To escape this, set up pre-authorized payments through your bank.

Credit Card, Access Insurance

3. Taking Long Commutes

The longer your commute, the higher your risk of collision, which translates into higher premiums. And then there’s the wear and tear on your car. Help the environment (and your wallet) by taking public transit a few days per week or by carpooling.

4. Breaking the Law

Speed demons, beware! A lead foot could cost you much more than the initial ticket. Likewise for distracted driving. Collisions and traffic violations can raise your premiums substantially, especially when it comes to multiple infractions. Take your time, put your cell phone away, and drive smart to save.

5. Lending Out Your Vehicle

It’s great to help out a friend by lending them your car, but remember that you’re not only lending your car, but your insurance as well. Even if the driver has his/her own insurance, it will be your policy that provides coverage should there be an accident, with your rates going up as a result. Use good judgement when lending your car, make sure the driver has your permission to use it, and that he or she holds a current and valid driver’s license.
Should the same person regularly use your car, you should list him or her as an occasional driver on your policy.
By avoiding the above mistakes, you will keep the cost of your auto insurance down. If you have any questions or would like to discuss more ways to cut costs, reach out to your provider.
Make sure that your property, automobiles and RV’s are insured properly. Review the coverages with a specialist at Access Insurance Group. Get advice, a quote or make a change anywhere in Alberta or in person at one of our locations in Edmonton, Stony Plain, Red Deer, Lacombe, Lloydminster, Olds, and Vermilion. http://www.accessinsurancegroup.com/contact-us/

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Happy Trails: Exploring Canada’s Best Snowmobile Routes /happy-trails-exploring-canadas-best-snowmobile-routes/ /happy-trails-exploring-canadas-best-snowmobile-routes/#respond Wed, 07 Feb 2018 09:00:49 +0000 http://www.accessinsurancegroup.com/?p=3336 When the mercury drops, many Canadians hunker down and crank up the heat. For others, the winter promises adventures as they fire up their snowmobiles.... Read more »

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When the mercury drops, many Canadians hunker down and crank up the heat. For others, the winter promises adventures as they fire up their snowmobiles. Are you ready to hit the trails? Then check out the following list of some of the country’s best rides.

Quebec: The Laurentians

Quebec’s famed range is known for its mountain sports and a rich snowmobiling heritage that includes the world’s first snowmobilers’ club. The area boasts more than 2,500 km of trails and a surfeit of snow. Up, down, and any which way you look, there is a memorable ride in front of you (and a delicious meal around the bend). Rev up and enjoy.

Ontario: The Bon Echo Loop

Ontario has more than 30,000 km of snowmobile trails, making up the world’s largest interconnected network. With so many options, how is one to choose? You can’t go wrong with the 232 km Bon Echo Loop, which encompasses much of Ontario’s Highlands. It promises a couple days of scenic travels featuring a diverse selection of terrain.

Alberta: The Iron Horse Trail

Located in central Alberta, the Iron Horse Trail encompasses an incredible 300 km of options, from simple day trips to longer hauls that suit novices and experts alike. Historic sites, local restaurants, and plenty of snow await.

British Columbia: Chappell Creek

Your winter is looking up in Valemount, British Columbia, where you will find one of the most thrilling snowmobile experiences in Canada: Chappell Creek. With an elevation of almost 2,500 metres, the view is thrilling and the snow is pristine.

Winter, sunset, Alberta

Before You Head Out

Make sure that your equipment is ready to ride and that you have the right insurance coverage. You are required by law to hold private civil liability insurance with a minimum coverage of $500,000 to ensure compensation for any bodily injury or property damage caused by the snowmobile. This civil liability insurance is mandatory for all snowmobiles, whether ridden on a trail or not. As official insurer to the Quebec Federation of Snowmobile Clubs (FCMQ), Intact Insurance offers its members coverage of $1,000,000 at a reduced rate, which is included in the price of a trail permit. Quebec residents may purchase additional coverage at very little cost. Visit the FCMQ website for details.

Wherever you wander this year, remember to ride safe. That means using the right equipment, avoiding dangerous areas, and speaking with your broker to ensure your snowmobile has the right insurance coverage. Happy trails!

From property to automobile and RV, review your coverage options with a specialist at Access Insurance Group. Get advice, a quote, or make a change anywhere in Alberta or in person at one of our locations in Edmonton, Stony Plain, Red Deer, Lacombe, Lloydminster, Olds, and Vermilion. http://www.accessinsurancegroup.com/contact-us/

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Condo insurance is different… make sure you’re covered /condo-insurance-is-different-make-sure-youre-covered/ /condo-insurance-is-different-make-sure-youre-covered/#respond Fri, 06 Oct 2017 22:59:52 +0000 http://www.accessinsurancegroup.com/?p=3265 The proper insurance is critical for those that own or are looking to own a condominium (sometimes referred to as a strata). However, understanding how... Read more »

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The proper insurance is critical for those that own or are looking to own a condominium (sometimes referred to as a strata). However, understanding how condo coverage works is not always a straightforward process.

To protect their investment, condo owners must purchase coverage (also known as condo or unit owner insurance) that works in conjunction with a condo association or corporation’s master policy. Condo owners often wrongly assume they do not need coverage because their condo corporation already has a policy.

Failing to purchase a condo or unit owner policy can leave you exposed to gaps in coverage—gaps that could be incredibly costly in the event of a claim. To better understand the need for coverage, it’s important to learn what master and condo policies commonly cover.

Master Policies and What They Typically Cover

Typically, your condo corporation has a master policy that insures all of the property and common areas that are collectively owned by unit owners. Generally, condo corporation insurance covers the following:

  • The buildings shown on the condo plan
  • Common property such as hallways, stairs, roofs, pools, garages and driveways
  • Fixtures built or installed as part of the original or standard construction, including floor and wall coverings as well as electrical and plumbing fixtures
  • Condo assets like furniture and equipment
  • Liability of the condo corporation for claims of property damage and bodily injury suffered by others

One of the key takeaways is that your condo corporation’s insurance may cover insured losses to the condo building and common property, but it does not cover your personal contents, liability or improvements to your unit. That’s why purchasing additional coverage in the form of condo insurance is so important.

Condo Policies and What They Typically Cover

While having a separate insurance policy for your condo unit is not mandatory, it is highly recommended.

As noted above, a condo corporation’s master policy typically covers common areas. Not only does this limited protection put your personal belongings at risk, but any improvements you make, damage you do to another unit, or injuries that occur in your unit will also not be covered.

In the event of a major disaster (like a pipe bursting in your unit), you could also be held liable for the cost of any repairs. Master policies often include language that identifies the owner of the unit where a specific loss began as the individual responsible for the entire deductible. With this cost sometimes exceeding tens of thousands of dollars, condo insurance is a must in order to protect your finances.

Condo insurance typically provides coverage related to the following:

  • Contents or personal property. Condo policies will often protect personal property such as clothing, appliances and furniture.
  • Additional living expenses. In the event of an insured loss that leaves your condo unit uninhabitable, condo policies may provide policyholders with funds over and above the normal cost of living. This coverage is essential, as condo owners will need a place to live if their unit is ever uninhabitable.
  • Third-party liability. Condo policies can provide coverage for your personal liability for any bodily injury or property damage unintentionally caused to others.
  • Improvements and betterments. Condo polices provide coverage for any upgrades to your unit (e.g., adding in custom hardwood flooring or custom counters). This coverage is available whether the improvements were made by you or previous owners of your unit.
  • Loss assessments. In the event that that your condo corporation’s insurance fails to provide adequate coverage, loss assessment protection kicks in. This protection helps insure common property and liability.
  • Contingent coverage. Similar to loss assessment protection, contingent coverage insures your condo unit itself in the event that the master policy fails to protect you or is insufficient.

Other Considerations

When it comes to condo insurance, it’s important to remember that a condo corporation will seldom protect your personal property or pay for your living expenses if you are displaced following an incident.

As such, before purchasing your unit, it is imperative that you ask for a copy of the condo corporation’s insurance agreement. That way you are aware of your responsibilities and the amount you need to pay for any deductibles.

In addition, when meeting with your insurance broker, bring a copy of your condo’s bylaws and master policy. This will help in the underwriting process and will ensure that you get the right level of protection.

Depending on the province, condo associations may be required to offer certain levels of protection, and your broker can help you better understand any insurance gaps.

Let our broker specialists shop various insurance companies for the best prices on home, auto and commercial insurance. Smart, Clear and Simple. Get advice, a quote or make a change anywhere in Alberta or in person at one of our locations in Edmonton, Stony Plain, Red Deer, Lacombe, Lloydminster, Olds, and Vermilion.

http://www.accessinsurancequote.com/

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Best Back-to-School Hacks for Parents /best-back-to-school-hacks-for-parents/ /best-back-to-school-hacks-for-parents/#respond Thu, 24 Aug 2017 23:08:49 +0000 http://www.accessinsurancegroup.com/?p=3226 The first day of school is a day that parents have been looking forward to and most kids have been dreading. But, as any parent... Read more »

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The first day of school is a day that parents have been looking forward to and most kids have been dreading. But, as any parent knows, it’s just as much work for you as the kids preparing for the big day. That’s why these tips and tricks are like a cheat sheet (only the good kind) to help you with that transition.

  • Supply list

If your child’s teacher didn’t provide a supply list, there are plenty of them online for every grade.

 

 

  • Ease back into a healthy bedtime routine

Ease back into the routine of waking up early for school starting at least two weeks before the actual first day of school. Wake up late sleepers a little earlier each day as summer vacation comes to an end. If children have been staying up late every night in the summer, it will not be easy going to sleep early the night before school starts. Routines are key for children, especially when it comes to sleep. Enforcing an hour of quiet time before bed, which includes a no-electronics rule, can help children get into a healthy bedtime routine. Reading is a good way to help children wind down without using their devices. Give children their own alarm clock, and more responsibility when it comes to going to bed on time.

 

 

  • Start on summer homework ahead of time

Easing back into schoolwork can also be a great way to prepare before the start of a new school year. Start on a small packet of summer homework well before the first day of school, and if your child’s school does not give out summer homework, obtain a few workbooks or even use educational apps as a refresher before going back to school full-time.

 

 

  • Set goals for the school year – other than good grades

To kickstart a successful new school year, set some goals (other than getting good grades). Other goals you can set for school-age children include daily chores and household responsibilities such as clearing dishes from the table, taking out the trash and brushing teeth before school. Use an incentive-based program, with rewards, to encourage children to do their chores and other household responsibilities. Use an activity tracker, similar to a FitBit (except for children), in order to keep track of activities and chores that children do. Parents can add points using an app when a child completes a chore, and then children can cash out the points for a reward such as extra play dates or more iPad time.

 

 

  • Keep a family calendar

Keeping everyone’s schedules straight can also be a difficult task for parents, so stay organized by using a shared family calendar with everyone’s assignments, practices, and appointments in one place. Make a morning “to-do” list every day to avoid going mad.

Having a central calendar that everyone shares can also reduce confusion for the whole family. While a classic paper calendar will do, many families also opt to use a shared Google calendar.

 

 

  • Organize snacks

For just a couple dollars, you can buy divided plastic trays and set up various snack stations in the fridge at the beginning of the week. Then just grab and pack (with a sandwich) each morning.

 

 

  • Keep water bottles cold

Make sure your child has cold water ready by filling a water bottle half-full and placing it on its side in the freezer. In the morning, fill the rest with water and they’re good throughout the day. This is also great for you when you’re running them around between school and other activities.

 

 

  • Freeze juice boxes

Similarly, throw their lunchbox drinks in the freezer the night before and they will keep the rest of the lunch cool and thaw in time for them to drink.

 

 

  • Make your own lunchables

Store bought Lunchables are full of preservatives and sodium. It’s much healthier to make your own and you can customize it to each child’s preference

 

 

  • A hairy solution

Make morning styling a bit less hectic by keeping hair supplies like barrettes, pins, and elastics organized in a craft organizer box that perfectly stores in any drawer.

  • Have fun with stickers

It sounds weird, but kids are much more likely to actually eat foods you send with them when they look like cute little things. Just stick on some goofy eyes and pop it in their lunch bag.

 

Sharpen your pencil and ensure you have the right insurance. Let our broker specialists shop various insurance companies for the best prices on home, auto and commercial insurance. Smart, clear and simple. Get advice, a quote or make a change anywhere in Alberta or in person at one of our locations in Edmonton, Stony Plain, Red Deer, Lacombe, Lloydminster, Olds, and Vermilion. http://www.accessinsurancequote.com/

 

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Preparing for Severe Weather /preparing-for-severe-weather/ /preparing-for-severe-weather/#respond Tue, 04 Jul 2017 23:40:21 +0000 http://www.accessinsurancegroup.com/?p=3148 Although weather is, by its very nature – unpredictable, you can still protect your family or business by anticipating the worst. High winds, falling trees,... Read more »

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Although weather is, by its very nature – unpredictable, you can still protect your family or business by anticipating the worst. High winds, falling trees, damage to buildings, and flooding are just a few of the risks you need to anticipate.

Government of Canada Weather

You can get up-to-date weather alerts from the Government of Canada website. The Weather page warns the public and emergency responders of severe weather that has the potential to cause widespread disruption or endanger life.

If severe weather looms on the horizon, always check the Weather website for the latest warnings by visiting http://weather.gc.ca. Click the “public alerts” image to see a map of alerts. Then click on your region for specific information.

Weather Alerts

When severe weather is occurring, the Government of Canada issues alerts through the media, the Weather radio service, and the Weather website.

The type of alert issued depends on the severity of the weather conditions.

  • Special weather statements (not severe) are issued when the weather is not expected to have any noticeable impacts, but there might be minor issues that may require extra care while travelling. This alert could be issued if weather has the potential to disrupt outdoor events or activities and cause minor traffic delays.
  • Watches (moderate severity) are issued when the public should take precautions when possible and anticipate longer travel times and some disruption to normal daily routines.
  • Warnings (severe) are issued when the power of a storm is confirmed to be very serious. The public should access the latest weather forecast to locate and understand the extreme weather conditions and follow all orders and advice from the authorities. All non-essential trips should be avoided. If you must make a trip, carry emergency supplies. Warnings are usually issued six to 24 hours before a storm system is going to hit, unless it is something such as a tornado, which can form faster without much notice.

Be Prepared

Specific weather events can present unique hazards. Make sure your insurance policy safeguards your home or business against severe weather damage. Also, use these weather-specific safety tips to help combat property damage and personal injury:

  • Wind is one of the most common causes of damage and disruption in Canada. Secure all loose objects outside your home or business. Close and fasten all windows and doors. If your building has storm shutters, make sure to close and fasten them as well. Park any vehicles you own inside if possible or outside and away from buildings, trees, and fences. When surveying the damage after the storm, stay away from exposed electrical cables.
  • Flooding can stem from short periods of intense rainfalls or longer periods of heavy rain. Prevention such as installing a back-flow valve and cleaning eaves troughs and down spouts help. Additionally, ensure your sump pump is in good condition with a back-up battery power. Prepare a flood kit of essential items for survival, including a flashlight, first-aid kit, bottled water and non-perishable food. Put your insurance documents somewhere safe as they will be essential in processing your claim. Turn off all gas, electricity, and water supplies. Only re-enter your property when emergency services deem it safe. Take photos of the damage and phone your insurer immediately.
  • Thunderstorms and lightning have the potential to fry electronics—unplug all non-essential appliances. Seek shelter if possible and refrain from using anything that can conduct electricity, such as telephone lines or taps and sinks.
  • Heavy snow and ice render roads difficult or impossible to travel. Halt all non-essential travel or at least wait until the roads have been cleared. Exercise extreme caution when driving, walking, and shovelling.
  • Dense fog creates difficult driving conditions, exacerbated by patchiness, and rapid drift. Fog warnings are issued when visibility is expected to fall below one kilometre. Postpone any non-essential travel. Drive very slowly with low-beam headlights, as full-beam lights shine too brightly and create a “white wall” effect. Proceed with caution.
  • Heat waves cause health problems and possible damage to property. Drink lots of fluids and to stay out of the sunshine, especially during the hottest part of the day from 11 a.m. to 3 p.m. Keep your home or building cool by closing curtains or blinds.

Stay Vigilant

Heeding advice from the Government of Canada Weather and local authorities is key to protecting your family or business from severe weather, but a constant state of vigilance will boost your efforts. Consult the Government of Canada forecasts, weatherproof your property, and educate your family about proper procedures during severe weather.

Make sure that your property, automobiles, and RVs are insured properly. Review the coverages with a specialist at Access Insurance Group. Get advice, a quote, or make a change anywhere in Alberta or in person at one of our locations in Edmonton, Stony Plain, Red Deer, Lacombe, Lloydminster, Olds, and Vermilion.

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