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How to Spot and Avoid Water Damage

How to Spot and Avoid Water Damage
When it comes to forces of nature, water can do a great deal of damage. Whether it’s a small leak that grows overtime or a cascade that leaves destruction in its wake; the consequences can often be severe. With spring upon us and the environment peaking in wetness, now is the time more than ever to be mindful about water damage and how to prevent ...it. Ideally, this is an area where you want to recognize problems before they turn into full-blown disasters; so here are some signs that you might have water damage! The Accumulation of Water Perhaps the most obvious thing on the list – if you see standing or pooling areas of water, there is a pretty good chance of water damage. In general when an area that is meant to be dry is wet, there is a problem. Staining or Mold Growth Slow leaks that are consistent are one of the more dangerous things to have because of how difficult they can be to spot. It’s pretty easy to tell your house has water damage when your door floats past you; but smaller leaks tend to be sneaky and cause long-term damage. A good way to tell if there is a leak in your house, though, is by observing yellow-ish stains that are irregular in shape as well as the presence of mold. Fungus loves moisture and will latch onto surfaces with potential water damage to expand.  The Stench Have you ever entered a room and been blasted in the face by a heavy, musky odor? That is an almost sure-fire sign of mold and mildew – which, in turn, means there is water where there shouldn’t be! Since water damage can be difficult to observe visually, catching a strong whiff of mold is often a good way to tell that there is potential damage. Sudden Increase in Utility Bills Utility bills, for the most part, are pretty consistent. There will be minor fluctuations here and there but they remain within the same ballpark. If you have noticed a sudden upwards spike – and your usage has remained the same – that is a sign that a leak exists. Catch it before it does more damage to your house and wallet!  Now that you have discovered the water damage, it is time to fix it! Here are tips on how to do that. Clean Your Gutters! This isn’t a glamorous job. No one wants to spend their weekend sweating away over their gutters trying to make them glisten. However, unmanaged overflow can cause damage to the foundations of the house and that is when things get really bad. Make sure that the downspouts are clean so water can easily flow through!  Check Your Appliances One of the easiest ways to prevent water damage is to simply conduct regular checks of your appliances to make sure they aren’t leaking all over the place. A little maintenance goes a long way! Be Mindful of What Goes Down Your Drain If grease, fat, and oil find themselves going down the drain, they are going to cause a lot of trouble. Fat and oil build up over time causing blockages and back-ups. This isn’t just limited to fat and oil either; sometimes we get lazy and throw things down the drain instead of disposing of them in the proper manner. Doing this, though, will cause major headaches in the future because of the inevitable damage that follows. Dispose of things properly!  Landscape with Purpose Not all water damage will be on the inside of the house – in fact, most of it will be in the area most exposed to the environment. Especially with spring in full flow, it is important to take precautions for the outside of the house. A great way to prevent water damage is by making sure water is being diverted way from the home in a natural fashion – using slopes and shrubbery to get the job done. This way your house will look fabulous whilst also being purposeful!  Ultimately, water damage is something that cannot always be prevented. This is why home insurance is so important – it is crucial to have that safety net. If you want to make sure your home is covered properly and that you are safe from water damage, contact one of our brokers today at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloakd8ca693cd8671472db53bfee485141e3').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addyd8ca693cd8671472db53bfee485141e3 = 'better' + '@'; addyd8ca693cd8671472db53bfee485141e3 = addyd8ca693cd8671472db53bfee485141e3 + 'hubbardinsurance' + '.' + 'com'; var addy_textd8ca693cd8671472db53bfee485141e3 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloakd8ca693cd8671472db53bfee485141e3').innerHTML += ''+addy_textd8ca693cd8671472db53bfee485141e3+'';  or simply call us at 905-696-9090. Let us take your future headaches away.  Sources: Economical, Autohomeboat, Resolve   More
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Sewer Backup Prevention

Sewer Backup Prevention
Damage to your property can be done multiple ways and sewer backup is one you’ll probably want to avoid the most. Sewer backup is not only a health hazard, but the clean-up process is extensive and costly. Here’s some information on what causes a sewer backup and what you can do to prevent it.  What causes a sewer backup? When something block...s the normal flow of wastewater from your house to the city’s sanitary sewer, sewage will start to back up into your home. There are many ways that contribute to a sewer backup such as the following: • Aging sewer systems• Too much rainwater or melted snow entering the sewer system at once• Broken or collapsed sewer lines• A cracked or deteriorated sewer lateral (the pipeline between the city’s sanitary sewer main and your home)• Tree roots entering sewer lines• Blockages in city sanitary mains• Blockages in plumbing inside a building• Sump pump failure Here are some simple things you can do to prevent a sewer backup: 1. Never flush items like diapers, wipes, cigarette butts, paper towels, facial tissues, or personal hygiene products down the toilet (even if the box says they’re “flushable!”). The only things you should flush down the toilet are human waste and toilet paper. 2. Grease and other clog-causing materials should always be thrown in the garbage – not down the sink. This also includes bacon fat, coffee grinds, and food waste. 3. It’s important to install a backwater valve (sometimes called a backflow valve). Doing so will reduce the likelihood that sewage will flow into your basement when the main sewer system begins to back up. It’s crucial to understand how to recognize the signs of a potential sewer backup before it’s too late. Make sure to contact a plumber right away if you notice the following: • Seepage at basement floor drains• A foul smell coming from your drains• Toilets aren’t flushing like they should, and plunging doesn’t help• More than one drain in your house is clogged• When you use one piece of plumbing (like a toilet), water backs up somewhere else• Bubbling after you flush a toilet or when a sink is trying to drain (and it happens more than once) If you notice sewage flowing into your drains, toilets, bathtubs, or showers, most likely a sewer backup is already coming on in full force. In that situation, stop using your water, turn off the main water supply, and contact a plumber right away.  Basic home insurance policies usually don’t cover sewer backups, but most insurance companies do offer it as an optional add-on. If you don’t already have this coverage, contact your broker to add it onto your current policy. It’s better to be safe than to clean up the mess on your own.  For more information or to get a quote today, call our office at 905-696-9090 or email us at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloak833b0d1b741bbf03e695deeb868e7750').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy833b0d1b741bbf03e695deeb868e7750 = 'better' + '@'; addy833b0d1b741bbf03e695deeb868e7750 = addy833b0d1b741bbf03e695deeb868e7750 + 'hubbardinsurance' + '.' + 'com'; var addy_text833b0d1b741bbf03e695deeb868e7750 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloak833b0d1b741bbf03e695deeb868e7750').innerHTML += ''+addy_text833b0d1b741bbf03e695deeb868e7750+'';    Source: Economical    More
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Insurance You Need For Your Startup

Insurance You Need For Your Startup
If you’re running a startup, your main focus is probably how to grow your business. But it may be time to consider getting insurance in order to protect your business. Here are some of the essential insurance products you will need for your startup: Commercial General Liability Insurance (CGL)CGL Insurance is made to cover your company in the even...t that you are sued for bodily injury or property damage to other people or businesses. This would also cover any property in the form of office equipment, stock, IT hardware, etc. Coverage also usually includes legal defence. It’s also important to note that you should purchase enough liability coverage. Most contracts require $2M but some larger clients may require $5M liability coverage or more.  Errors and Omission (E&O) InsuranceFor anyone offering professional services, this type of insurance is essential. Doctors, Lawyers and Accountants are usually ones who need this insurance but most startups now require Errors and Omission coverage – especially if your startup involves any type of consulting or technical work. A good way to know if you need this coverage is to ask yourself “does anything my business does, or neglects to do, have the potential to harm a client?” If the answer is yes, you should get this coverage and your clients will likely require it by contract. Cyber InsuranceCyberattacks are becoming more common especially in an increasingly digital world. If your startup has any client data at all, then you need to consider Cyber Insurance. Coverage for this typically includes liability for stolen client data, legal defence and crisis management.  Directors and Officers Insurance (D&O)This liability insurance protects C level Executives, Officers and Directors in the event that they’re sued for actual or alleged wrongdoing when managing your startup. You may purchase first and third party coverage to protect such things as wrongful acts, shareholder or M&A lawsuits, and class action lawsuits. Employment Practices Liability (EPL) InsuranceMost businesses that purchase D&O insurance also purchase Employment Practices Liability – especially for smaller companies that don’t have an office human resources department. This liability covers your business in the event of an employee lawsuit such as wrongful termination, sexual harassment, discrimination by gender, race, age or sexual orientation. There are countless other types of coverage a business may want to purchase as they grow and a good insurance broker should be able to advise you on the right decisions. To get a quote on your startup, call our office today at 905-696-9090 or email us at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloak215383cc1566e56759bd50d5767e8a91').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy215383cc1566e56759bd50d5767e8a91 = 'better' + '@'; addy215383cc1566e56759bd50d5767e8a91 = addy215383cc1566e56759bd50d5767e8a91 + 'hubbardinsurance' + '.' + 'com'; var addy_text215383cc1566e56759bd50d5767e8a91 = 'better@hubbardinsurance.com ';document.getElementById('cloak215383cc1566e56759bd50d5767e8a91').innerHTML += ''+addy_text215383cc1566e56759bd50d5767e8a91+'';     More
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What To Know Before Planning Home Renovations

What To Know Before Planning Home Renovations
Taking on a renovation project is both a challenging and rewarding experience. It may be easy to picture what your new updated kitchen or new bathtub will look like when the work is done, but it’s important to know that renovations are complex and can be prone to unforeseen issues and expenses. Give some thought to the process so that you’re well ...prepared. Think of who is going to do the work, how much it will cost, and if it will impact your home insurance.  We’re always here to help so here are some things to consider before you renovate: Use a ProfessionalWhile it may be tempting and less expensive to DIY, there are certain jobs that should be to left to professionals. Things such as intricate tilework, cabinet installation, and countertop replacement can actually decrease the value of your home if it’s not done correctly. So while getting a qualified professional can be more costly – they will be able to get the most bang for your buck by helping you select quality material and install them properly.  It’s also important to note that specialized renos that affect the guts of your home (including its structure, electrical, plumbing, gas, and heating or air conditioning) should always be done by licensed professionals who are equipped to meet today’s safety standards.  Prepare for unexpected expensesWhether you come across a problem before the rest of the work is done (such as electrical or plumbing issues) or an error is made in the measuring process and you need to purchase additional material, unplanned expenses should be expected in any home renovation project. It’s a good idea to set aside an additional 10% to 20% of your total budget to avoid breaking the bank if any surprise costs should come your way. Permits!Depending on where you live or the kind of renovations you are doing, it may be required for you to obtain building permits from your local government before any work is done. It’s your responsibility as your property owner to make sure you have the right permits, whether you’re doing the work yourself or hiring a professional. Visit the website for your municipality or contact the municipal office to see what types of projects require a permit.  Talk to your insurance broker before you get startedSome home renovations can impact your insurance premium or compromise your coverage – such as structural changes – so it’s crucial that you reach out to your licensed broker first to ensure that you have the right coverage before you start working on renovations.  For more information or to speak with a licensed broker today, call us at 905-696-9090 or email us at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloak6c52e125ec2c7304770cbe4031fe954a').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy6c52e125ec2c7304770cbe4031fe954a = 'better' + '@'; addy6c52e125ec2c7304770cbe4031fe954a = addy6c52e125ec2c7304770cbe4031fe954a + 'hubbardinsurance' + '.' + 'com'; var addy_text6c52e125ec2c7304770cbe4031fe954a = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloak6c52e125ec2c7304770cbe4031fe954a').innerHTML += ''+addy_text6c52e125ec2c7304770cbe4031fe954a+'';   Source: Economical    More
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Why Choose an Insurance Broker?

Why Choose an Insurance Broker?
Lately there have been a ton of different ways to purchase insurance. Planning for the future and protecting your assets are at the top on a consumers mind when considering their insurance options. But looking for the right coverage can be overwhelming, especially for someone who is not familiar with insurance, which is why you need an expert to h...elp you make the best-informed decisions.  Insurance brokers are here to act as your personal advisor on any insurance matter. Brokers work for you, not the insurance company, to make sure that you, your family, your possessions and your business are properly protected. Brokers will be there to guide you through the claims process in the event of a loss, and will help you to ensure a quick and easy settlement by your insurance company.  Expect your broker to give you expert, unbiased advice on your individual insurance needs. Most large insurance providers are focused on selling you their products while independent brokers ensure that your interests come first.  Here are some more reasons why choosing a broker may be better for you: ChoiceBrokers have access to a wide range of some of the best insurers in the country. Once a broker has properly assessed your needs, they do all the shopping and all the work for you to ensure that you get the best coverage at a competitive price. AdviceBrokers are licensed professionals who use their experience and judgement to act as your personal advisor. It’s also important to know that they are free to make impartial recommendations. A broker’s first and only responsibility is to serve your interest so it’s advice that you can trust.  FlexibilityBrokers know that some people have busy lifestyles which is why communication with them is flexible. Whether it’s face-to-face, over the phone, or by email – brokers are there to communicate in whatever way works for you. TrustInsurance Brokers work to a principle of utmost good faith. Buying from a broker means that you can buy with confidence knowing that your needs are being put first and that the recommended coverage is right for you.  AdvocacyIn the event of a loss, your broker is there to ensure that you receive fair and prompt payment to get you back to normal. Your broker will also be there to advocate for you in a dispute with the insurance company. Experience has shown that a broker’s knowledge and contacts can often help settle a disputed claim.  KnowledgeBrokers are a wealth of knowledge on all aspects of insurance and other preparedness. They know how to ensure that you get all applicable discounts on the insurance you buy. They are experts at risk assessment and how to properly protect you and your family’s interests with respect to Auto, Home and Business coverage. Professional education is ongoing and put to use on a daily basis, so you can rest assured that the coverage you receive is the coverage you need. TransparencyThere is no added cost to you using an independent insurance broker. Brokers are paid a commission from the insurance company they place your business with, there is no financial incentive for them to pick one over another. In addition, brokers are completely open about their transactions and encourage you to ask them about their remuneration.  ResponsibilityBrokers act as a local resource centre for safety information and crime prevention. Brokers are part of your community’s emergency response team. They will be among the first to respond to your needs in the event of a catastrophe in your community. Buying from a broker means you are investing in your own community.  To speak with one of our expert advisors today, call us at 905-696-9090 or email us at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloakbfb0553c6136c2a14be4c7bd91cd36a1').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addybfb0553c6136c2a14be4c7bd91cd36a1 = 'better' + '@'; addybfb0553c6136c2a14be4c7bd91cd36a1 = addybfb0553c6136c2a14be4c7bd91cd36a1 + 'hubbardinsurance' + '.' + 'com'; var addy_textbfb0553c6136c2a14be4c7bd91cd36a1 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloakbfb0553c6136c2a14be4c7bd91cd36a1').innerHTML += ''+addy_textbfb0553c6136c2a14be4c7bd91cd36a1+'';    Source: IBAC   More
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