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Happy 150th Birthday Canada.

Thu, 29th June, 2017 - Posted by - Comments Off on Happy 150th Birthday Canada.

Happy Canada Day, 150 Years Strong.
Please be advised Expo Insurance Brokers will be closed on Monday July 3 2017 in celebration of Canada Day. Wishing You and your Family our Very Best wishes on this Canada Day.
Special shout out to members of the Canadian Armed Forces serving over seas on this holiday weekend and their families here at home all across Canada. Thanks for your continued service !
For a claims Emergency please call your Insurance company Direct 24/7.
Intact Ins Co / Novex Insurance Co / Jevco – 1-866-464-2424
RSA – 1-800-319-9993
Economical / Perth Ins Co. – 1800- 607-2424
Aviva – 1-866-692-8482
Gore Mutual Ins Co. 1-800- 265-8600
Category : Auto Insurance / Community / Education / EXPO Insurance / Expo Insurance staff / Home Insurance / Homeowners

The Weather is Changing by Intact Ins Co.

Thu, 5th February, 2015 - Posted by - Comments Off on The Weather is Changing by Intact Ins Co.

THE WEATHER IS CHANGING

Climate change is an important environmental issue that has been attributed to human activities, including the release of carbon dioxide and greenhouse gases, as well as natural processes. Click here to find out more.

Climate change is partially responsible for the rising frequency and severity of extreme weather events such as floods, storms and droughts since warmer temperatures tend to produce more violent weather patterns.

As a result of climate change, extreme weather events involving hail, wind and precipitation that used to happen every 40 years in Canada are now happening every 6 years in some regions. (IBC)

CATASTROPHES

Catastrophes are defined as natural disasters that cause at least $25 million USD in insurance claims. Over the past 10 years, there has been an average of 785 natural catastrophes worldwide. In the first half of 2013, there have already been over 450 natural catastrophes.(© 2013 Geo Risks Research, NatCatSERVICE – as at July 2013)

HOW WEATHER AFFECTS INSURANCE

Weather patterns are forcing the insurance industry to evolve products, policies and what you pay to address new risks. You should talk with your broker about the risks in your area associated with changes in weather to make sure the people and things you care about are protected.

Climate changes

Category : Community / EXPO Insurance / Home Insurance

New Address Effective Nov 18 2013

Wed, 19th March, 2014 - Posted by - Comments Off on New Address Effective Nov 18 2013

New Address for Expo Insurance Brokers Inc
5484 Tomken Rd
Unit 9
Mississauga,Ontario
L4W2Z6
Same Phone Numbers

Category : Auto Insurance / Community / Continuity Plans / EXPO Insurance / Expo Insurance staff / Home Insurance

Water Damage Checklist from Intact Ins Co of Canada.

Mon, 20th January, 2014 - Posted by - Comments Off on Water Damage Checklist from Intact Ins Co of Canada.

WATER DAMAGE CHECKLIST (by Intact Insurance Co)

Water damage has now surpassed fire as Canada’s leading cause of personal property claims. Examples of water damage include flooding, sewer backup, broken pipes, leaky plumbing, and more. To help avoid water damage in your home, take a few simple precautions to decrease the chances of it happening to you.

INSIDE YOUR HOME
• Buy or increase your sewer backup coverage as needed
• Install a sewer backup prevention valve on the main line of your home
• Install water monitors that alert you if a leak occurs and shut off the main water supply if moisture is detected
• Inspect all plumbing for signs of cracks or leaks, and replace older plumbing
• Inspect older appliances, particularly washing machine and dishwasher hoses, and replace them with steel braided hoses.
• On appliances and/or plumbing fixtures, replace old and worn rubber hoses with flexible steel-braided hoses
• Avoid pouring fats, oils and grease down household drains
• Check water supply lines regularly for leaks and loose connections
• Check caulk and grout around bathtubs and showers and retouch as necessary
• Reduce home water use during heavy rainfall and rapid thaw to reduce pressure on sewage systems and potential for water back-up.

Talk to your insurance broker to review your policy and learn what coverage exists in regards to water damage

OUTSIDE YOUR HOME
• Before the winter, drain all pipes and garden hoses
• Keep storm sewer grates clear of leaves and debris
• Disconnect downspouts draining directly into the sewer system and redirect them at least 6 feet away from your home’s foundation; test downspouts to ensure proper drainage from the roof
• Ensure your lot is graded to aid drainage away from your home
• Make considerations for reverse-sloped driveways
• Ensure there is at least 200 mm (8 in) clearance between finished ground level and the bottom of the downspout; otherwise consider installing window wells
• Ensure waste water lines are not blocked by tree roots
• Ensure you roof doesn’t have loose or curled shingles
• If you have a septic system, have it pumped and serviced regularly

FOUNDATIONS AND BASEMENTS

Your home’s foundation and basement are areas where significant, and often expensive, damage can occur. The origin of leaks is often traced to the foundation. Minor cracks in the foundation are not normally cause for concern; however, major cracks can represent substantial movement and can allow water to seep into your basement. Filling in foundation cracks and stopping them from spreading helps to prevent water damage and serious structural issues. To diminish risks of water damage in your basement:
• Find and seal any cracks in foundation walls and basement floor
• Avoid storing items directly on the basement floor (store items in plastic storage containers on raised shelving)
• Be sure to keep floor drains unobstructed
• Always check your basement for leaks after heavy rainfall or a rapid thaw

SUMP PUMPS AND BACKWATER VALVES

A sump pump is a common and effective basement water collection system. Sump pumps collect water from the weeping tiles around basements and send it outside, away from your home. The sump pump is activated by a float switch that turns on when the water in the sump rises past a certain level.

To ensure your sump pump is in good working order, check the float to ensure it’s clean and moving freely by slowly pouring water into the sump tank. Watch for the float to rise and start the pump. Once the pump starts, the water level will quickly lower and the float will shut off the pump.

Backwater valves installed on the main water line of a home are an effective way of preventing sewer back-up. Many municipalities amended their building codes to ensure that backwater valves are installed in all newly constructed homes.

Category : Community / Education / EXPO Insurance / Home Insurance / Homeowners

How Home Insurance Premiums are Calculated by Intact Ins Co.

Wed, 11th December, 2013 - Posted by - Comments Off on How Home Insurance Premiums are Calculated by Intact Ins Co.

HOW HOME INSURANCE PREMIUMS ARE CALCULATED

Insurance involves the pooling of funds from many customers to pay for the losses that some customers may incur. The premium that is determined is based on the likelihood of how frequently events may happen.

At Intact Insurance we take a unique approach to determining what your home insurance will cost. We look at all your needs and your lifestyle and determine a price based on your property, contents and personal experience that is specific to you. We consider many variables that differentiate you from any other homeowner.

HOW PREMIUM DOLLARS ARE USED

When insurance companies collect premiums, that money is used to pay for claims, government taxes, and to cover costs related to operating a business. Insurance companies also set aside a large amount of this money, called a reserve, in order to respond quickly should a catastrophe occur, which would result in a large number of claims in a short period of time.

The remaining money that is not needed on a daily basis is invested by insurers. Investing the money is necessary because it allows insurance companies to offset the large costs of claims by making a return, and the insurance industry has always generated positive investment returns (IBC).

PREMIUMS AND DEDUCTIBLES

Most insurance policies have a deductible; deductibles are the portion you agree to pay when you need to make a claim. It is then deducted from the amount of your claim that your insurance company pays. Therefore, it is your part of the cost of a claim.

You can reduce the amount of your premium by increasing your deductible amount. But it is essential to weigh your options carefully when choosing a deductible amount. Talk to your insurance broker about the deductible level that is right for you.

Where your premium payments go

FACTORS CONSIDERED IN DETERMINING YOUR HOME INSURANCE PREMIUM

Some of the factors we consider when calculating your premium:
• Where you live – Some locations have a higher risk of crime, burglary, sewer back-up and weather related events, resulting in a higher premium.
• How close you are to fire fighting support – Urban areas are closer to fire fighting support, generally resulting in a lower premium.
• How much protection you require – If you need or want more insurance protection for your home and property, then your premium will be higher than someone who needs or wants less protection.
• The age of your home and the home’s condition – Property rates are generally lower for newer homes because the plumbing, wiring and roofs generally have fewer problems, which means fewer claims.
• If you live or work in the home – Empty or unoccupied properties are more prone to vandalism and theft. Also, running a business or having tenants results in a higher premium due to additional items in the home.
• How many claims you have made – The greater number of years claim free, the greater the reduction in your premiums.
• How long you have lived at your current address – Statistics show that customers who have lived in the same residence for longer periods of time make fewer claims. This can contribute to a lower premium.
• Maturity – As you age, your premium amount will typically decrease.
• Loss prevention – Investing in devices to protect against burglary, fire and water damage can lower your insurance costs either directly via a discount or by preventing and minimizing losses, which results in fewer claims.
• If you own your home outright – If you own your home completely without any mortgages, you’ll have more money to maintain your home, resulting in fewer claims. This can be a factor resulting in a lower premium.
• How your home is heated – Homes that use oil as their primary heat source and wood for secondary heat source tend to have more fire claims and will therefore increase your insurance premium.
• If your home is built for or used by multiple families – If your home has more than one self-contained living unit, or you share your property with unrelated individuals, it may be considered a multi-family dwelling. In these instances, there are more items that need to be covered by insurance and more opportunities for larger claims.

WAYS TO REDUCE YOUR HOME INSURANCE PREMIUM

Many factors act together to determine the premium you pay. Below are actions you can take to better protect you and your home, and reduce your premium.
• Evaluate your coverage needs each year: Your homeowner’s insurance coverage should accurately reflect your home’s current value and condition, as well as any major improvements or purchases.
• Implement fire, theft and water damage preventative measures: These include but are not limited to: installing alarm systems, water sensors, main line back-water valves, alarmed sump pumps, and tankless water heaters, as well as performing regular maintenance to your electrical, plumbing, heating and roof.
• Ask about discounts you may be eligible for: Talk to your broker to find out if you qualify for any additional discounts such as those for being mortgage or claims free.
• Bundle: Consider buying homeowners and automobile insurance coverage from the same company.
• Don’t switch insurance companies before the end of your policy term: If you wait until your policy is renewing, you may avoid a cancellation penalty.
• Use your good credit: Where permitted, allowing your broker to soft check your credit can result in preferred pricing. Intact Insurance will only use this information to help determine your premium; we will never raise your rates or cancel your policy because of it.
• How much coverage is enough? Work with your broker to determine exactly what level of coverage you need for coverage options that might have some flexibility such as how much you are covered for sewer back up coverage.
• Pay your premium annually to avoid any service fees or interest charges.

Category : Education / Home Insurance / Homeowners

GTA Claims Storm Update July 2013.

Thu, 11th July, 2013 - Posted by - Comments Off on GTA Claims Storm Update July 2013.

Expo Ins Brokers Inc. Advisory: GTA storm update 11 July 2013.

Our Insurance Company Partners have Claims Teams that are responding to a large volume of calls throughout the effected areas.

We are into the third day after the heaviest rainfall in GTA history. We wanted to update you on what we are doing and ask for your patience, goodwill and understanding.

The Insurance Company partners we have you insured with, have received more claims in the GTA (mainly West Toronto and Mississauga) the day after the storm than they received in a normal month of claims. This type of volume puts significant pressure on the entire claims infrastructure, from adjusters to appraisers to contractors.

Insurance Companies have assembled Claims teams consisting of internal staff and dedicated adjusters plus contractors they have certified to assist in emergency mitigation and repair.

Customer contact is underway
These claims teams have broken down the affected area by postal code and calls are already being made to customers, allowing the adjusting team to work within a small geographic area.

For our mutual clients with sewer back up coverage, here is what’s happening:

1) Emergency mitigation. The adjuster will meet with the customer, provide guidance on what to expect, review coverage and develop a plan to return the property to its pre-loss condition.

What the insurance contractors do in Phase 1:
• Cut out the affected drywall – in most cases 6-9 inches above the water mark.
• Remove all debris.
• Separate contents into salvageable and ‘send to the dump’ – then take an inventory.
• Set up blowers and dehumidifiers to run for a number of days to minimize mould and prepare for reconstruction.

2) Estimation. The estimators will return with the adjuster and together they complete an estimate of repair. The adjuster then meets with the customer to explain the options.

3) Repair. They will be encouraging “YOU” the customers to use their preferred vendor network (whose work we guarantee) but the choice of contractor is ultimately yours.

Patience and Understanding is Key:

Please expect delays. Under normal circumstances the timeline for Phase 1 is 24-36 hours, but because of the size of this event, the contractors can’t give a time estimate that is accurate.

Over the next several days, the Insurance claims teams, focus will be calling customers as this is the best way to start the claims process.

• Estimating will likely take another couple of weeks.
• Reconstruction is where it will be difficult to provide timeframes yet, but they will assess as they go along, once they can determine how many repairs the contractors are asked to complete they will have a better understanding and will keep you the client informed.

At Expo we recognize this is a very difficult time for you, but please rest assured that our Insurance Company Partners have teams of professionals working hard to get the job done.

Thomas Taborowski
Principle Broker
Expo Insurance Brokers Inc.

Category : Community / EXPO Insurance / Home Insurance

I’d rather be Fishing…

Sat, 9th June, 2012 - Posted by - Comments Off on I’d rather be Fishing…

Category : EXPO Insurance / Home Insurance / Homeowners

Canada Post Mail Strike June 2011

Mon, 27th June, 2011 - Posted by - Comments Off on Canada Post Mail Strike June 2011

Bill C-6 was recently passed, mandating the Canadian Union of Postal Workers back to work as of 8:30 pm today June 27 2011.
Insurance companies will return to normal mailing on June 28th 2011. In the meantime should you require documents on your insurance policies place through Expo Insurance Brokers Inc please feel free to contact our office and we will do our best to provide you with copies of your documents untill original’s arrive to your home by post.

For immediate customer service contact Debbie Long at Ext 227 Joh Kotarski at Ext 223 or Thomas Monizusko at Ext 225

Regards
Expo Insurance Brokers Inc

Category : Auto Insurance / Home Insurance / Life Insurance / Travel Health Insurance

T.I.C. Travel Insurance Sold Throught Expo Insurance Brokers

Thu, 26th May, 2011 - Posted by - Comments Off on T.I.C. Travel Insurance Sold Throught Expo Insurance Brokers

We have been advised by Travel Insurance Co-ordinators that our clients concerns remain a top priority, particularly in light of the volcanic eruption in Grimsvotn,Iceland on 21 May 2011.
This event created an ash cloud that has been disrupting local and international flights.
Clients will recieve equitable settlements and prompt payment if they purchased trip cancellationand interuption policies before May 21 2011.
When you purchase Travel Insurance with TIC through Expo Insurance Brokers you should be aware that, coverage does not apply on these policies to “Known Events”.
The volcano eruption being such an event. Consequently coverage does not apply to any future travel disruptions as a result of the Known Event, which is consistant with the travel Inddustry practice in Canada.

More information will be made available at www.travelinsurance.ca

Expo Insurance Brokers Team.

Category : Education / EXPO Insurance / Home Insurance / Travel Health Insurance

Protect Your Home from Water Overflow.

Mon, 16th May, 2011 - Posted by - Comments Off on Protect Your Home from Water Overflow.

Protect Your Home from Water OverflowBrokers provide Ontarians with useful tips to limit water damage during rainy season
(Toronto, Ontario), September 30, 2010. Today, the Insurance Brokers Association of Ontario (IBAO) is providing Ontarians with helpful information in regards to safeguarding their homes from water damage during this lengthening rainy season.
Climate change has caused an influx of precipitation over the past weeks and it is scheduled to continue in the upcoming weeks. It is important that home owners are diligent in ensuring their home and property can withstand the increased water flow to the best of their ability.
Conservation Ontario deems flooding as one of the leading causes of public emergency in the province. Although impossible to control the weather, IBAO encourages Ontarians to take control of their own homes by making a few simple changes that will significantly reduce the negative effects of flood damage.
“Safe guarding your property from potential flood damages and ensuring you know what to do before and after a flood occurs is essential in the protection of yourself, your family and your property,” said Randy Carroll, IBAO CEO.
Here are some tips to protect your home and property from flooding:

If the area you live in is susceptible to sewer back-up, make sure your home has a back-flow valve and plugs for drains, toilets and other sewer connectors installed.

If you don’t have a sump pump, install one. If you do have a sump pump, test it to make sure it is working. Because severe weather often causes a hydro interruption, it makes good sense to install a battery back-up device for the sump pump or keep a small gas generator to power critical electrical circuits. Both of these devices are available at a reasonable cost from any building supply or hardware store.

If you have an unfinished basement, we suggest you store items in plastic containers or on shelving at least 12″ off the floor.

Ensure your window wells are clear of leaves and debris and by periodically checking your foundation for signs of wear, tear and cracks. Keep eaves and downspouts clear of debris and make sure water flow is directed away from the foundation. If your building code in your area permits it, have the downspouts connected directly to your weeping tiles or sewer drain.

In winter, keep snow away from the foundation to reduce surface water during sudden spring thaws and winter rains. Areas around ground level windows and window wells should be clearly regularly.
“We urge all Ontarians to take the necessary precautions during this time of year to protect their property from the heavy rain falls,” added Carroll. “Insurance brokers are fully committed to informing Ontarians and keeping them safe.”

Category : Home Insurance

Don’t be afraid to ask!

When it comes to insurance, there is no question too basic. If there is anything you don’t understand, don’t be afraid to ask us. We are here to help. Contact us today! »

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