Mitchell Sandham Provides Safety Tips in Advance of Storm

February 1, 2011

Travel with a vehicle emergency kit in anticipation of extreme weather

Environment Canada has issued a storm watch across areas of Ontario for today and tomorrow. In anticipation of this we are proactively reminding our clients to stay safe while driving and to ensure they have taken proper precautions within their homes as well.

Below is a list of tips that we encourage you to follow ahead of the storm activity:

· Use extreme caution when travelling in your vehicle.

It’s extremely essential to have an emergency travel kit ready in your vehicle at all times, in the event of extreme weather. Kit contents should include:

· Blanket
· Flashlight and batteries
· Fully-charged cell phone
· Extra clothing – includes hats, gloves and boots
· First aid kit
· Map or GPS
· Bottled water
· Ice scraper and/or snow brush
· Flares
· Extra windshield washer fluid
· Battery booster cables
· Bag of sand or salt
· Shovel
· Candy or chocolate bar for energy
· Paper towels
· Matches

An emergency kit should also be kept inside the home as well in the event of power outages and should include:

· Bottled water
· Flashlights/battery powered lantern
· Fully charged cell phone
· Non-perishable food items
· Essential medications
· Essential items for babies or elderly people with special needs

By keeping abreast of weather conditions and having the right items on hand you will be better prepared for severe weather activity.

This is in no means a full list of precautionary items to follow although it will certainly provide a good starting point for you.  For further information please contact our office.

Ryan Mitchell, CAIB, CPIB
(416) 862-1750, rmitchell@mitchellsandham.com
www.mitchellsandham.com

CAUTION: The information contained in the Mitchell Sandham website or blog does not constitute a legal opinion or insurance advice and must not be construed as such. It is important to always consult a registered insurance broker and a lawyer who is a member of the Bar or Law Society of the relevant jurisdiction with regard to this material before making and insurance or legal decision.  Information contained within this posting is courtesy of RSA Insurance Company.

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High Valued Home & Auto Insurance

March 3, 2010

PlatinumPro – Elite Personal Protection

Hot on the heels of being awarded Cornerstone status with Chubb Insurance Company of Canada Mitchell Sandham launches their new brand, PlatinumPro – Elite Personal Protection.  This division is dedicated to servicing our high net worth individuals for their personal insurance needs.  In this division we provide the following services:

–          Dedicated account executive

–          Expert claims service

–          Insurance markets – Chubb, Chartis, Dominion and RSA

–          Personal Service

–          Innovative Coverages

–          Insuring to value

–          Appraisals for your home and assets

–          Communication –email, mail, or in person (your location or ours)

We are a team of specialists providing expert advice in the niche area of personal insurance.  Our service proposition is to provide a first class experience with personal service.  We advise on and can arrange coverage for all types of assets including:

  • Fine homes
  • Automobiles
  • Yachts, speedboats and sea doos
  • Valuable Articles
  • Collections including cars, wine, antiques and art
  • Excess Personal Liability including home invasion and directors and officers liability for those who sit on a not-for profit board of directors
  • Access to private health care

If you are an individual of distinction with high valued assets and your insurance needs have outgrown mass-marketed policies, please contact us today for a review of your personal insurance.

Contact:

Ryan Mitchell, CAIB, CPIB

Direct: (416) 862-5620


Chubb Cornerstone Status – Personal Insurance

February 23, 2010

Mitchell Sandham Insurance Brokers has achieved Cornerstone status with Chubb Insurance Company of Canada.  We are 1 of only 18 brokers across Canada to receive this honourable designation.  Chubb is the leading provider of high valued personal insurance products.  This prestigious and exclusive designation identifies Mitchell Sandham as a best-in-class insurance broker.  We are very proud of this accomplishment as we have put a lot of hard work and dedication towards servicing our high net worth clients.  We are a team of specialists providing expert advice in the niche area of personal insurance.  Our service proposition is to provide a first class experience with personal service.  We advise on and can arrange coverage for all types of assets including:

  • Fine homes
  • Automobiles
  • Yachts, speedboats and sea doos
  • Valuable Articles
  • Collections including cars, wine, antiques and art
  • Excess Personal Liability including home invasion and directors and officers liability for those who sit on a not-for profit board of directors
  • Access to private health care

If you are an individual of distinction with high valued assets and your insurance needs have outgrown mass-marketed policies, please contact us today for a review of your personal insurance.


Basement Flooding Protection – Subsidy Program

February 3, 2010

In response to the large amount of water damage incidents that have occurred in the past few year’s the City of Toronto has launched a subsidy program to help address these problems from occurring.  The program offers subsidy for the installation of back-water valves as well as sump pumps for those home owners who wish to install these items.  For more information regarding the water damage prevention subsidy program please visit the City of Toronto’s website at www.toronto.ca/water/sewers to learn more.  Also, the following link provides access to the flyer that the city of Toronto has circulated, http://www.toronto.ca/water/sewers/pdf/brochure.pdf


Water Damage Prevention

December 24, 2009

Water Damage is one of the leading causes for claims on home insurance.  Extreme weather, burst pipes, leaky appliances and flooded basements contribute to an increase risk of water damage. 

What you can do:

Follow these helpful tips to prevent or minimize water damage to your property and protect your home and valuable possessions:

  • Know where the main water shutoff valves in your home are located
  • Check washing machine hoses for signs of deterioration and replace hoses that show any evidence of cracking
  • Check your eavestroughs and downspouts every Spring and Fall to ensure that they are not blocked
  • Disconnect any downspouts that are connected to the sewer system
  • Install window wells on basement windows at or near ground level.  Check caulking around doors and windows for deterioration
  • Consider installing backflow valves or plugs for drains, toilets and other sewer connections to prevent sewer backup
  • Install a sump pump to prevent ground water from entering your basement
  • Keep floor drains clear of obstruction
  • In the fall, turn off the water supply to outdoor faucets and drain the pipes

Preventative maintenance is key.  Consider hiring a licenced Plumber/Contractor to:

  • Conduct a thorough inspection, including a search for cracks in the foundation walls and/or basement floor
  • Check your weaping tiles for damage or blockage
  • Ensure that all gaps around the furnace and water heater exhaust vents have been properly sealed

Protect your home when you are away:

If you are away from your home for 3 or more days during the heating season, follow these easy steps to help prevent water damage:

  • Turn off the main water supply and drain pipes
  • If you have not shut off the main water supply, turn off the water valve leading to your washing machine, toilets and dishwasher
  • Arrange for someone to enter your home daily to make sure that it’s adequately heated
  • If you can’t turn off the water supply, or arrange to have someone enter your home, a temperature alarm can be installed and linked to your monitored home security system, as an alternative.

If you discover water damage:

  1. Turn off electrical power to the affected area and unplug and remove electrical appliances.
  2. If your home or water is heated with gas or if you have gas appliances or fireplace, check the fumes.  If you notice an odour, call the gas company immediately.
  3. Take steps immediately to protect your property from further damage: a) shut off the main water supply to prevent further damage b) move items out of wet basements and away from flooded parts of your home c) if the sanitary sewer backs up into your basemen, do not flush the toilet or turn on any taps as this will only cause further flooding
  4. Separate damaged property from undamaged property and prepare an inventory of what has been lost or damaged
  5. Take photographs of the damaged property
  6. Report your claim either to your broker and/or your insurance company

 

Source:  AXA Insurance Company