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Monthly Archives: November 2018

Post-flooding woes: are you ready?

Quebec’s historic flooding this year could mean critter and pest-related woes in the months and years to come. Heavy water accumulation has created standing pools of water, which could translate into fertile ground for mosquito populations this year as well as other damaging effects to your home and neighbourhood.

Expect a higher number of mosquitoes this year in areas that experienced heavy rainfall resulting in ponds remaining full after a combination of saturated soil and repeated rainfalls.

In addition to mosquitoes, homeowners could be dealing with a host of other critter-related problems. Flooded homes face potential mould problems, which, in addition to the human health impact, bring their own set of parasites, such as flies.

Broken trees, debris and wood inside homes left humid from long-term water exposure could also be ripe territory for wood lice and carpenter ants.

As recommended by the article referenced below, use the following precautions to help deter pests: clean up properties, get rid of stagnant water, fix foundations and take care to dry out parts of the home exposed to water and replace any wood exposed to flood water.

For more information on home insurance options, contact your broker or company agent.

Source: http://www.canadianunderwriter.ca/catastrophes/quebec-homeowners-face-potential-post-flooding-woes-mosquitoes-critters-parasites-1004114984/

Marijuana legalization raises concerns for insurance

The impending legalization of marijuana in Canada raises a number of legal issues related to property insurance policies, liability coverage and auto insurance. The referenced article below is used throughout this post as a source to discuss how such insurance policies are affected.

The Ontario Court of Appeal upheld a decision in a case that dismissed the insured’s property loss claim under homeowner’s policy. The insured’s home was totally destroyed by an explosion arising from the illegal production of marijuana by a tenant on the premises.

The court found that the exclusion for indirect or direct loss or damage to dwellings used in processing or manufacturing of marijuana applied. Insurers may decide to continue to avoid coverage for illegal mass production of marijuana by individuals, while recognizing that the limited production that will be allowed under the proposed Cannabis Act is lawful.

Regarding liability coverage, it remains to be determined how preliminary underwriting considerations addressed by the application process will be determined, along with how that coverage will apply and any limitations in terms of limits, deductibles or aggregates.

In relation to auto insurance, there could be an increase in impairment cases. Noting that impairment is not as straightforward as alcohol and no test comparable to the breathalyser is available at this time.

With the legalization of marijuana around the corner, the Canadian insurance industry will have to adjust to its presence. We will continue to keep you updated with developments, but in the meantime contact your broker or company agent with any questions or concerns.

Source: http://www.canadianunderwriter.ca/insurance/marijuana-legalization-raises-legal-issues-related-property-policies-liability-coverage-auto-insurance-arc-group-canada-event-hears-1004114705/