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Tip of the Month

                                                                                                       Barbecue Season Is In Full Swing: Don’t Go Up In Flames

The joys of outdoor cooking also bring fire and associated risks. Here are some safety reminders for gas and propane barbecues to protect you and your property from harm or damage.
•    Never operate a barbecue in an enclosed space, close to a structure, or near combustibles. Have a one metre radius around it free of obstructions. 
•    Keep your barbecue in tip top shape. Check for hose breakage, valve leaks, and other parts before securing the tank well and turning on the gas. 
•    When in use, never leave the grill unattended, and when finished turn the tank off before the burners so the remaining gas in the lines can burn off. This can help prevent a flash the next time the BBQ is in use.
•    Make sure your fire extinguisher is easily accessible and in good working order. 
Additional Tips
•    Propane companies use an additive to create an unpleasant odour like rotten eggs to make a propane leak easier to detect, so you can shut off supply immediately, stop using the grill, and clear the area.
•    Although the risk of carbon monoxide is low when using a BBQ outdoors, it is not entirely eliminated. Learn to recognize the signs of CO2 poisoning and take appropriate action.
•    Store propane tanks in an upright position, in a spot where they are unlikely to be knocked or bumped to prevent any safety risk.

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High Water Equals High Anxiety

                                                                                    High Water Equals High Anxiety


This season continues to cause high water levels in rivers and lakes. Coupled with above average rainfall, the risk of overland flood is a clear and present danger depending on your location. To find out what your risk is you can contact your municipality or your insurer. If you are at high risk, check the website for advice on how to protect yourself against flooding. The Association of Municipalities of Ontario’s website monitors flood alerts for all of the regions, counties, municipalities, and districts in Ontario.

Insurance coverage for overland flooding has only been available on personal lines policies since 2015, and some insurers may still not offer it.  Approximately one third of insureds who carry personal lines policies have the coverage. Affordable and available insurance for those at repeated high risk of overland flooding is currently not here . The Insurance Bureau of Canada, (IBC), is working with governments and realtors to come up with high risk solutions. One  recommendation is that governments plan a strategic retreat; that is moving residences and people out of flood prone areas.  Repeated floods can render the home uninsurable and impossible to sell.  

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