Summer is Around the Corner

Summer is getting close! Before you head to your cottages, your favourite patch of water, or your backyard grill, there are a few important things to remember:

1. Cottage Opening

• If the warming weather takes you out to your seasonal cottage property, we suggest you take a look at our notes regarding opening the cottage. There are several things to consider to help mitigate the risk of future losses

2. Summer Cars

• For many, the rising temperatures mean it is time to pull their favourite vehicle out of storage. If your summer ride is a seasonal car that has been away for the winter, be sure to give us a call to add road coverages before you hop in the driver’s seat.
• Always be sure that your car is fully prepared prior to driving. Ensure all fluids are fresh and full and that the car is properly insured and licensed. Remember, if you have removed road coverages from your insurance policy for the winter, there is no insurance protection on this vehicle until your broker confirms it has been added back. Be sure to contact us before driving.

3. Boats

• As with your summer cars, make sure that boats are properly prepared and serviced before putting them back in the water.
• Check for any visible signs of damage that may have taken place over the winter and take out-of-water photos for your records.
• If you have replaced an engine, hull, or added significant equipment to your watercraft, be sure to contact us so that we may ensure coverage is adequate prior to your boat going back in the water.

4. Eavestroughs

• As winter and spring melt away, significant debris can collect on your roof, eavestroughs, and other parts of your property. Be sure to clear away any of this debris and any other obstacles that may prevent water from flowing away from your home

5. Renovations

• If the warmer weather signals your opportunity to finally make those home improvements you have been planning for so long, be sure to let us know. Certain coverages in your home insurance policy may not apply while under construction unless the policy is properly endorsed. Always be sure to advise your broker prior to beginning any work that is structural in nature or that may increase the rebuilding value of your home by more than $10,000.

6. Landscaping

• If the summer includes new landscaping for your home, be sure that any plans include good drainage routes that encourage water to flow away from the home and the foundation.
• If the exterior brick or wood siding of your home continues at or below the level of the soil, it can cause moisture to enter the material over time, eventually destroying it and allowing water into the home. This exterior material should be monitored frequently for signs of deterioration. At the first sign, a contractor should be called to provide alternative weather proofing solutions.