Mitigation Archives - Cade Associates Insurance Brokers Limited

Winter Maintenance Tips

Ross Fraser — Sat, 15 Dec 2018 09:00:05 +0000

Preparing your home or cottage for winter is an important annual ritual. For instance, did you know that adding insulation in your attic before winter arrives can help prevent ice dams? And don’t forget that tuning up your heating system now can help prevent more costly emergency repairs at the height of a storm, when it can be difficult to find supplies and licensed contractors. The following winter maintenance tips can help you prepare your home and cottage to withstand another cold season.

Your Heating System

Before you give your heating system a workout this winter, take the time for preventive maintenance. It may help extend the life of your system and identify potential problems.
Before Winter:

Have your furnace and other heating systems checked and serviced by a licensed contractor at least once a year, preferably before the heating season begins.
Clean or replace any filters on forced hot air systems.
Have your chimney checked and serviced by a licensed contractor at least once a year, with particular attention to removing creosote buildup from woodstoves and fireplaces.

During Winter:

Have your fuel tanks filled and keep an eye on levels throughout the winter.
Set your heat no lower than 14 degrees, as the temperature inside the walls where water piping is located is colder than the living spaces; open doors to unoccupied rooms to keep an even temperature throughout the home.
Maintain your wood-burning or pellet stoves according to the manufacturer’s instructions.

Your Insulation

If your cottage is winterized, insulation provides an important line of defense from winter’s gusty winds and freezing temperatures, it is worth taking time to inspect and upgrade insulation and weather stripping before the season starts.

Add extra insulation in the attic to help guard against ice dams. If too much heat escapes into the attic, it can warm the ice and snow on the roof. When it refreezes, it can cause an ice dam, leading to water damage or even a roof collapse.
Add weather stripping around doors and caulk windows to guard against drafts and heat loss.

Your Utilities

Freezing temperatures can be especially damaging to your plumbing. If your pipes aren’t drained for the winter, be sure to prepare them to withstand the cold.

Check for water leaks and fix problems immediately; wrap water piping in UL-Listed heat tape and insulate if it is exposed in unheated areas such as garages, crawl spaces or attics. Use only thermostatically-controlled heat tape if your water piping is plastic, and follow the manufacturer’s instructions.
Learn how to shut off your water and know where your pipes are. In a freeze, you may be able to prevent water damage.
If traveling, set your heat to ensure the home stays warm enough to avoid freezing, or drain all pipes and appliances.

Your Winter Safety Measures

Trim trees and remove dead branches so they do not damage structures or cause injury if they fall due to ice, snow or wind.
Clear gutters of leaves, sticks and other debris to ensure melting snow can drain properly. Direct downspouts away from the foundation.
Repair steps and handrails for safety in ice and snow.
Check smoke detectors, fire alarms and carbon monoxide detectors, and replace batteries for proper operation.

Key Supplies & Equipment

Make sure you have snow shovels and a roof rake on hand. Stock your ice melting compound to melt ice on walkways.
Service your generator or snowblower and store their fuel in approved containers, away from sources of heat.

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Social Host – Understanding Your Liability

Ross Fraser — Tue, 04 Dec 2018 17:40:01 +0000

With the holiday season upon us, will you be throwing a party or celebrating a special occasion? Do you plan on serving alcohol? If yes, while we wait for our invitation to arrive, let the Cade team discuss the liability exposure that comes with these events, and how to take steps to prevent an incident. Serving alcohol or facilitating its consumption beyond intoxication might result in your being held responsible in a liability claim where alcohol is a contributing factor.

What’s the Liability?

As a personal Host, you do have potential liability for bodily injury or property damage to third parties which arises out of the negligent serving or distribution of alcohol at your party, be it a small backyard BBQ setting, or a holiday gathering. The insurance provided by most home/condo/tenants insurance policies may protect you from a liability claim arising from a private social gathering in your home, but you should confirm this with your broker/agent first.

As a business or non-profit organization, it is very important that you review your insurance protection first with your broker or agent if you have any plans to host such an event. While some commercial insurance policies are able to accommodate an event involving liquor, additional information may be required to endorse the policy accordingly. In some cases, host liquor liability is expressly excluded and must be arranged by your Broker for your function.

Liability for claims arising out of social hosting can arise from many different avenues, including:

Server – Serving people past the point of intoxication;
Occupier – Whether you own the space or are temporarily renting the venue, you have responsibility for protecting the people on premises from harm;
Employer – You have a responsibility for your employees at staff functions.

Special Occasion Permit

Functions with more attendees, ticketed events, or those involving the sale of alcohol may require the purchase of a Special Occasions Permit. SOPs allow for the sale and service of alcohol on special occasions, and are required any time alcohol is offered for sale or is served anywhere other than in a licensed establishment (eg. bar or restaurant), or in a private place (eg. office or home). Special Occasion Permits are available from the Alcohol and Gaming Commission of Ontario (link) and are reviewed and approved based on the nature of your function.

Party Alcohol Liability Insurance

Party Alcohol Liability insurance is a low-cost policy, designed to provide protection when lawsuits are brought against individuals, organizations, or companies who host events with alcohol service. This is typically provided when you are in a situation where an SOP is required, such as weddings, stag & does, banquets, dances, socials, cocktail/Holiday parties, etc. Contact your Broker to request a quote.

Risk Management & Avoiding Issues

Here’s some advice for curtailing over-consumption of alcohol:

Be aware of the designated drivers in attendance. If other guests are unable to drive safely, the DDs may be able to help
Provide non-alcoholic drink and food options to all guests throughout the party
Implement a cut-off time for alcohol service, even at private functions. For example: stop serving alcohol some time before you expect your guests will leave. You may also serve other drinks, like coffee or tea, and encourage guests to have water.
Be prepared with excess cash to offer to pay for guests’ cab rides if necessary. You may also have extra space set up in your home to house last-minute overnight guests.
Have no reservations about asking for someone’s keys if you suspect they are too intoxicated to drive.
If alcohol service is being provided at a larger function, or one involving an SOP, ensure that servers are Smart Serve certified.
The legalization of cannabis adds an additional layer of complexity, as guests may mix intoxicants. Keep a keen eye on your attendees to watch for over-consumption.

What To Do In A Claim

In the event of a claim, here’s what to do:

Contact your representative at Cade as soon as possible.
Make a note of all the relevant details of the incident, including the date, time, witnesses’ names and contact information.
Don’t confess liability; always direct any discussions with the claimant to your insurer for further comment.

Whatever the occasion, be wary of how much your attendees are drinking. It is your responsibility to ensure your guests are having a good time in a safe manner. Take the lead on educating yourself and your team about what you’re responsible for when holding a party. Be prepared with several methods of getting your guests home safely if they are too intoxicated to drive themselves and others.

Get in touch with us today at clientservices@cadeinsurance.ca to discuss how to prepare for your next event.

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Fall Home Maintenance Tips

Ross Fraser — Fri, 12 Oct 2018 02:36:38 +0000

While spring is a common time for many homeowners to spend some extra attention on upkeep and maintenance, autumn is just as critical a season for preparing your home to withstand the potentially harsh winter weather and temperature conditions that may await you. By making maintenance part of your annual fall routine you can identify potential problems before they arise, and help prepare your home and property for what Mother Nature has to offer. These tips are provided by Travelers Canada, the underwriter of the CottageFirst Insurance program!

Following are some home maintenance tips from our Risk Control professionals to help you prepare for the coming winter:

Have your heating system cleaned and inspected annually by a qualified technician.
Replace your furnace filter in accordance with manufacturer’s instructions.
Insulate water pipes in areas exposed to freezing temperatures.
Check gutters for damage and confirm they’re securely attached to the house.
Clean gutters and downspouts to keep debris from accumulating. This is especially important during the fall season when leaves may collect in gutters.
Check and repair caulking around doors and windows that show signs of deterioration.
Have your chimney cleaned and maintained by a professional. If you use a wood stove, check for wear and tear, corrosion, etc. and store your wood in a dry, cool area away from the wood stove and potential sources of ignition or pests.
Clean the clothes dryer exhaust duct and space under and behind the dryer. Remove lint and dust that may have accumulated inside the dryer in accordance with the manufacturer’s recommendation.
Check electrical outlets for loose-fitting plugs or receptacles. Be sure not to overload electrical outlets.
Keep a multi-purpose fire extinguisher accessible. Confirm that it is fully charged and ready for operation.
Inspect your smoke detectors. Make sure you have a smoke detector in each bedroom or sleeping area and also, a smoke detector in the hallway outside each sleeping area. You should also make sure you have at least one smoke detector on each floor of your home, including your basement. Test them monthly, and change the battery annually or as needed.

The steps you take during the fall can help protect your home and property from more potentially expensive damage and emergency repairs in the colder months to come.

Original Article

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Snowbirds: Winterize Your Home While You’re Away

Ross Fraser — Fri, 06 Oct 2017 11:30:18 +0000

If you are a snowbird heading south for the winter, there are several key things you can do to help protect your vacant home. Taking these steps can help protect your home from theft, water damage, heating or electrical system malfunctions and other possible threats while you are away for an extended period of time. These tips are provided by Travelers Canada, the underwriter of the CottageFirst Insurance program!

Download the Snowbird’s Checklist for Preparing Your Home

1. Make Your Home Appear as Though It Is Continuously Occupied

Forward your mail, stop newspaper delivery, and ask a friend or relative to collect flyers or other items that may be left at your door.
Arrange for someone to remove snow after storms.
Put motion-sensitive exterior lights and interior lights on timers and set them to come on at varying times to discourage prowlers.

2. Take Steps to Protect Your Home from Thieves

Confirm that your alarm systems are in working order and have been activated.
Secure external doors and windows with deadbolt locks, security-type hinges and sturdy door frames that cannot be spread apart. Install slide locks or other equivalent security locks on sliding glass doors or French doors.
Store valuables that you are not taking with you in a safe deposit box or other secure offsite location.
Do not post your vacation or travel plans on social media sites, as potential thieves can use that information to learn that your house is vacant.

3. Protect Your Pipes to Avoid Water Damage by Turning Off Your Water Supply

If a pipe bursts or leaks while you are away, it may cause significant damage. Consider completely turning off the water supply if no one will be in the home for an extended period of time. If your home is heated by an older system, consult with your heating professional.
Drain your pipes of all water by opening the faucets, and flush your toilet to clear the water from the tank and bowl, then consider pouring antifreeze in toilet tanks and bowls to prevent any remaining water from freezing and cracking.* Always use non-toxic antifreeze rated for plumbing systems.
To help confirm that the pipes have been drained, consider having a plumber blow compressed air through the pipes.

4. Keep Your Home and Plumbing Warm if Your Water Supply Stays On

If you decide against draining your water pipes, keep the furnace running to help ensure the home stays warm and the pipes do not freeze.
Set the temperature at around 13°C or higher to help keep the interior of the floor and wall cavities, where the water piping is likely located above freezing temperatures. Keeping room and cabinet doors open also helps heat to circulate and warm the areas where pipes are located.
Shut off the water to washing machines and dishwashers and drain the appliances where possible, to avoid any leaks or broken hoses while you are away.
Turn off the heat source and water supply to hot water heaters (unless you have a boiler).
Consider shutting off and draining outdoor water faucets to prevent vandalism and freezing damage.
Have a water flow sensor and low temperature sensor installed on your main water supply pipe and hooked into a constantly monitored alarm system.

5. Perform Routine Maintenance Before You Leave

Have your heating system inspected and serviced before winter. Have your fuel tanks filled before you leave, and ask someone to check on heat and fuel levels regularly while you are gone.
Be sure to maintain electrical power if required to keep the heating system running. If electrical service to the home is to remain on, consider having a licensed electrical contractor inspect your main electrical panel, wiring and outlets, if necessary. This way, they can repair or replace anything that may be defective.
Have your roof inspected before you leave and clean your gutters to help prevent ice from building up.*
Remove dead trees or large overhanging limbs that could damage your house.
Unplug all unnecessary appliances before you leave. Make sure you can retrieve messages on your home answering machine or voicemail so it does not indicate FULL or unattended when someone calls.

6. Make Your Home Unattractive to Pests

Clean your home thoroughly to help discourage new “residents” from moving in.
Clean, defrost and unplug refrigerators and freezers, wiping them dry and leaving doors propped open to prevent mildew. Also clean the oven.
Inspect your home for openings that animals could use to enter. For example, make sure your fireplace flue is closed, as bats, birds and squirrels are known to get inside this way.
Check weather-stripping, insulation and exterior doors and windows to ensure no major deficiencies are present. Water and insects can enter through these openings.
Chimneys should be inspected by a chimney service and, if necessary, cleaned to ensure that they are free from obstructions such as nesting birds. Install chimney guard screen-caps to help prevent any infestation.

7. Be Ready for Emergencies

Call the non-emergency number of your local police department to see if they would like notice that the property will be vacant. If so, provide emergency notification numbers.
Install smoke detectors on at least every floor (preferably tied to a constantly monitored fire alarm system so the fire department will automatically be notified in case of alarm), and confirm that the sensors and system are tested regularly.
In higher wind-exposed or coastal areas, install storm shutters (or other mitigation measures, such as 5/8” marine plywood) to secure windows. Properly anchor personal property that will remain outdoors.
Ask a trusted friend, neighbor or relative to keep an eye on your home and be available in emergency situations. Give them access to your home and ask that they monitor heating, electrical and water systems. You may wish to hire a professional property management firm to provide this service to ensure it is completed on a regular schedule.
If the weather turns frigid, have your friend or property manager also check the roof for ice dams and inspect for leaks inside. Make sure they have your contact information and a list of local contractors they can reach if repairs or service are needed.

* Source: https://www.homeadvisor.com/article.show.How-Do-I-Winterize-a-Vacant-House.10834.html

Original Article: https://www.travelers.com/resources/home/safety/snowbirds-winterize-your-vacant-home.aspx

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Getting Ready for Winter

Ross Fraser — Tue, 03 Nov 2015 18:00:30 +0000

With memories of the deep freezes of the last two winters fresh in our minds, we must all take the appropriate steps to prepare our vehicles and homes for the changing of the seasons. To help you spend more time thinking of warm fireplaces and hot chocolate, we have created a brief list of things to remember!

PREPARING YOUR VEHICLES FOR WINTER

Winter Tires – Winter tires should be near the top of your list when planning for winter. While all-season tires claim to be capable year-round, the soft rubber composition of winter tires allows for increased contact and therefore traction on the road during the cold of winter. Improved traction means better control and shortened braking distances.
- If you have Winter Tires for your vehicle, you may qualify for a modest discount from your insurer on the renewal of your policy. Generally, to be eligible for the discount, you must have a set of four tires specifically designed for winter (not all-season) on your vehicle from November to April. We recommend you keep your receipt for the purchase or installation of the tires, if the Insurer requests them. Winter tires usually have a lifespan of about 5 years, so be sure to get your tires inspected or replaced regularly. The average Winter Tire discount is about 2% – 3%. If your vehicle qualifies for this discount, give our office a call or email so that we can apply the discount on renewal.

PREPARING YOUR HOME FOR WINTER

Eavestroughs – Heavy snows can lead to a build-up of debris on your roof and a fast melt can test the drainage of even the most recently updated roofs. Be sure to clear out your eavestroughs of falling leaves and other clutter to minimize any backing up and potential leakage or drainage issues. Some home insurance policies include exclusions for water damage arising from the backing up of eavestroughs, so this maintenance is important. Be sure that all eavestrough drains run away from the foundation of the home as well.
Heating System – No one wants to come home to a home without heat in the winter. Now is the time for a maintenance check of your furnace or other home heating system. If your furnace is over 20 years old, it is even more important to have the unit inspected annually for the sake of safety and continued operation.
Fireplaces & Woodstoves – If you have a wood burning unit in your home, be sure to have the chimney inspected and cleaned regularly by a WETT-certified contractor. (www.wettinc.ca lets you search for a local contractor). During the significant power failure in Toronto in the winter of 2013, many homeowners found themselves turning to fireplaces that hadn’t been used or cleaned in years. This is extremely dangerous, as a buildup of residue in the chimney can cause a significant fire hazard. Regular cleaning and maintenance is key!
Driveways, Walkways & Sidewalks – With the snows of winter comes everyone’s favourite chore – shoveling! Be certain you have the tools necessary to maintain your driveways, walks and any sidewalks you may be responsible for clearing. Slip & fall claims are far more common in the winter, so ensure that your property is properly cleared and salted when necessary.
Prepare for Power & Service Failures – Recalling the power failures of the past few winters which left homes without power for several days, we have all learned it is best to be prepared in case this coming winter creates another power failure. Be sure that you have enough supplies to last at least 3 days. The Ontario Government has some resources available to help you plan for an emergency, including building a kit and keeping necessary supplies on hand. If your power does fail, pay close attention to your plumbing system. Once the temperature of a home begins to drop, the chance for freezing in pipes skyrockets with a potential for significant water damage when the pipes thaw and rupture. If you suspect your heat will be out for a while, drain your plumbing system completely including all appliances to prevent this freezing damage. Learn more about freezing pipes here.

Storing Seasonal Vehicles – Your summer cars, motorcycles, ATVs and other recreational vehicles are just about due to be put away for the winter. Conducting the storage maintenance routine specific to your vehicle now can prevent damage during the winter and make bringing the vehicle back out in the spring much easier.

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Alarm Systems and Your Home Insurance

Mary Berg — Wed, 29 Jul 2015 01:26:05 +0000

If you’ve been in the market for a monitored alarm system, don’t forget to consider the additional benefits with respect to your home insurance.

In addition to providing you with peace of mind, knowing that the safety of your home is being monitored 24 hours a day, the installation of a centrally monitored alarm system for burglary and/or fire can open up further discounting opportunities with respect to your home insurance premium. The improved security offered by such systems can help reduce your annual premium by making your property more secure and mitigating certain losses such as theft, burglary, and fire damage.

A point to consider: If your home is currently equipped with a monitored alarm system or you are looking to install one, many insurers are offering improved coverages for your home and personal possessions if a monitored temperature alarm is also in place.

As always, please feel free to contact our office if you have any questions with respect to how the installation of an approved centrally monitored burglary, fire, and/or temperature alarm will affect your home insurance.

We here at Cade know how important your home is to you. By making sure your home is safe, sound, and secure, we can work together to get you the most effective rate for your home insurance.

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Freezing Pipes: Keep your home warm during cold snaps

Mary Berg — Thu, 26 Feb 2015 20:19:15 +0000

With another cold snap coming our way in an already extensive deep freeze, the threat of freezing pipes is in the forefront of most homeowner’s minds.

Having the unique property of expanding while freezing, water puts a tremendous amount of pressure on whatever is containing it, including the metal and plastic piping found in your home.

While frozen and burst pipes can occur anywhere, some pipes are more prone to freezing than others due to their location. Pipes that are located outside or that run against exterior walls that contain little or no insulation are at high risk of freezing during prolonged cold weather as well as those that are located in unheated interior areas of the home such as basements, crawl spaces, attics, garages, and under kitchen cabinets.

In order to help mitigate the chance of frozen or burst pipes, here are some helpful tips and tricks that you can try at home:

Keep your garage doors closed as much as possible
Open kitchen and bathroom cabinets in order to allow warmer air to circulate around the plumbing
Use rigid foam insulation to close and seal all foundation vents that are near water pipes
Wrap high-risk pipes with pipe insulation which is widely available at your local hardware store
When an especially cold spell is expected, let the cold water drip from the faucet farthest from your main water intake valve. Running even a small amount of water through the pipes helps prevent freezing and can also help you detect a frozen pipe if the flow of water changes (the first sign of a freezing pipe is reduced water flow).
Make sure to keep your heat on, even when you are not home. Setting your thermostat no lower than 13°C/55°F helps protect against frozen pipes.

If you happen to find yourself with a frozen pipe, here are some methods to help thaw out the affected area:

Apply constant heat to the affected area that is closest to the faucet using a good hair dryer or an electric heating pad. Do not leave the pipe unattended while you attempt to defrost it using one of these tools.
*Do not use a blowtorch or any other open-flame device to defrost a pipe.
Keep faucets open. As you defrost the frozen area and the water begins to melt, it will begin to flow through the pipe helping melt ice in the affected area.
If you are unable to locate the pipe that is frozen, contact a licensed plumber.

If the worst occurs and a pipe bursts in your home, shut off the water at the main valve, call your plumber, and contact your insurance broker.

In terms of your homeowners insurance coverage, losses during the normal heating season relating to frozen pipes that are located within a heated portion of the dwelling hold insurance protection provided that you have not been away from your premises for more than 96 consecutive hours. If you are planning on a trip, please be sure to take at least one of the following precautions in order to ensure that your coverage remains in place:

Shut off the water supply to the home and drain water from all systems and appliances: and/or
Arrange for a competent person to enter your dwelling daily in order to ensure that heat is being maintained.

We here at Cade hope you (and your home) stay nice and warm during this chilly time! As always, if you have any questions regarding frozen pipes or the coverages provided by your habitational insurance policy, please feel free to contact us.

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Toronto Homeowners: Take advantage of Toronto’s Basement Flooding Protection Subsidy Program and help protect yourself against sewer backup losses!

Mary Berg — Thu, 29 Jan 2015 19:29:16 +0000

Recognizing that weather patterns are changing rapidly, it is interesting to note that globally, water has now become the leading ‘villain’ as it relates to property damage, surpassing the costs of insurance claims related to damage by fire and theft combined.

In the wake of the July 2013 rains and subsequent water damage, we have witnessed significant talk of change throughout various government agencies and in the insurance industry as a whole. With a record-breaking $3.2 billion in claim payouts related to severe weather events in 2013 alone, it is certainly understandable that insurers in Canada would invest a significant amount of time into reviewing changing weather patterns and the frequency and severity of related claims. Unfortunately, we are beginning to witness such events of significance which once took place every 40 years now every 4-6 years, and the insurers are responding with new limitations and exclusions specifically with respect to water.

Throughout 2014, most Insurers have introduced various changes or made clarification to their residential property policy wordings including: lower limits available for damage by sewer back up; higher deductibles for water damage; reduced discounting with respect to claims; new geographical territory definitions.

As we all know, water is an unwelcome and costly visitor to your home. In recognition of this, the City of Toronto has introduced a subsidy program to assist the owners of single-family, duplex, and triplex residential homes with a financial subsidy of up to $3,400 per property to install sewer backup mitigation devices such as a backwater valve, a sump pump, and pipe severance and capping of the home’s storm sewer or external weeping tile connection.

For further information on the City of Toronto’s Basement Flooding Protection Subsidy Program, please visit the following page:

https://www1.toronto.ca/wps/portal/contentonly?vgnextoid=30ee7c6a9967f310VgnVCM10000071d60f89RCRD&vgnextchannel=f041ffa6ee33f310VgnVCM10000071d60f89RCRD

Whether this program applies to you or not, we here at Cade would like to respectfully encourage you to consider mitigation measures for water losses. If you would like to discuss some of the benefits or the insurance implications of such installations, please do not hesitate to contact our office.

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Drop it and Drive: Distracted Driving and your Auto Insurance

Mary Berg — Fri, 16 Jan 2015 19:42:20 +0000

Since October 26^th, 2009, the Province of Ontario has implemented and enforced a ban on the operation of handheld electronic devices while driving. The fine for infractions currently stands at $280 but recently proposed legislation aims to increase the maximum penalty to $1,000 as well as the deduction of three demerit points from your driving record.

Even as the law stands, the use of a handheld electronic device while driving will negatively affect your automobile insurance as it is considered a minor conviction.

The moral of the story? Drop all handheld electronic devices while driving and save emails, texts, and phone calls to when you are safely and lawfully in park! It’s safest (and cheapest) way to drive!

Further information regarding Distracted Driving is available through the Ministry of Transportation website: https://www.mto.gov.on.ca/english/safety/distracted-driving/

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How does a ticket affect your auto insurance?

Mary Berg — Fri, 16 Jan 2015 19:39:13 +0000

A popular misconception amongst Ontario drivers is that a minor ticket with no demerit points will not negatively impact their automobile insurance. This is unfortunately not the case. All moving violations from a speeding ticket to a distracted driving charge will influence your insurance.

Generally, if you are charged with a minor moving violation, your insurance premium will experience an increase. In order to mitigate this risk of premium increase, here are some helpful tips to help protect against easily avoidable tickets:

Always be sure that a valid pink liability card is on your person or in the glove compartment of the vehicle you are operating.
Be mindful of speed limit changes when driving.
Many non-highway roads on the way up north to the cottage have fluctuating speed limits, ranging from 80km/h in the country to 40km/h in the small towns you pass on your drive. Be sure to abide by these signs in order to reduce your risk of a ticket and to stay safe!
Program your GPS prior to starting your trip and go hands free with all electronics.
Many school zones now have signs that, when flashing, reduce speed limits to account for increased pedestrian traffic. So keep your eyes peeled for flashing lights and slow your speed!

As always, if you are interested in discussing any aspect of your automobile insurance policy, please feel free to contact us!

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