As risk prevention specialists, brokers offer coverage that meets policyholder needs while also giving valuable advice. These tips can prevent a risk and significantly reduce any damage, as well as ensuring the compensation process has a satisfactory outcome.
APRIL Canada has interviewed home insurance professionals to put together a list of the five best tips a broker can give to their policyholders.
Don’t play with fire!
5/ Change the time, change your batteries!
Aside from being preventative measures, smoke detectors are an excellent way to control the risk of fire in a house. However, making sure that they work properly is important. Daylight Savings Time is a great way to remind yourself to test, clean and change the batteries of your smoke detectors.
4/ Chimney sweeping
According to the national fire code of Canada, more than 3 mm of soot on chimney walls increases the risk of fires. We therefore recommend having the chimney swept by a professional at least once a year. If the chimney is the home’s main source of heat, maintenance sweeps should be conducted during the periods when it is being used.
Watch out for flying objects
3/ Patio, garden furniture, umbrella and flower pot
We keep all sorts of objects outside our homes that could injure passersby or damage the exteriors or windows of our neighbours’ houses. To prevent any risk of injury or damage, we recommend securely attaching these objects and putting them away in winter.
Placing your garden furniture in winter storage will also make them last longer. “Because storms are increasing in frequency and intensity, Canadians, whether home or business owners, must prepare for weather-related disasters,” said Karen Roller, underwriting director at APRIL Canada.
Prevent risks of vandalism and water damage
2/ Unoccupied homes
When a house is unoccupied, make sure to collect mail, shovel snow off the path, and ask someone you trust to pass by the house at least once a week to make sure the heating works. In fact, the house must be properly heated because heating pipes may freeze and burst. Watch out for the unexpected…
“An unoccupied residence is considered vacant by an insurance company after a certain number of days. As a result, damage that occurs after this period is not covered. At APRIL, we consider a home to be vacant after 30 days without occupants,” said Louise Gaudette, senior underwriter at APRIL Canada.
1/ The purpose of conducting a home inventory
After a disaster, an inventory can include bills and photos that may prove the value of goods, jewelry and other valuable objects. This will greatly facilitate the claim and compensation process.
You will find a property inventory form to complete and store somewhere safe on the infoinsurance.ca website.
We know our stuff!
As the policyholder’s representative, brokers must do their best to guide their policyholder’s choices. Aside from informing them about exclusion clauses, the broker has a duty to provide advice and information. This is why APRIL Canada is committed to providing its partners with all of the information that they need on APRIL insurance guarantees. By better understanding the products you offer, you can offer the best advice to your policyholders.