Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina can assist you with finding the plan that works best for you. In their latest Trusted Regina Insurance Tip, they share a tip on preventing ice dams on your Regina property. 

Winter is here and as a homeowner, it’s important to check your property for issues and commit to regular preventative maintenance. Doing this will save you stress and money in the long term. In our latest Campbell & Halliburton Regina home insurance tip, we share important information from SGI regarding ice dams.

Spotting and Preventing Ice Dams – Tips and Information From Campbell & Haliburton Insurance

Freeze, thaw, freeze, thaw – those are the ideal conditions to make an ice dam. And that’s something we know you don’t want. Ice dams will cause a lot of damage to the walls, ceiling and insulation of your home. They may even lead to mould.

With the weather cycle we’re currently experiencing, we’ve put together some information to help you prevent major ice damming problems in your home.

As you walk out of our door, you can do so with the assurance that you are covered with the home insurance that best meets your needs. If you don’t have an insurance broker and want to talk to someone who is truly passionate about your insurance, contact us at Campbell & Haliburton Insurance. We would love to help you.

Campbell and Haliburton Insurance

They offer many different insurance policies to protect the most important areas of your life including:

• Home Insurance

• Auto Insurance

• Condo Insurance

• Tenant Insurance

• Farm Insurance

• Commercial Insurance

• Life Insurance

• Travel Insurance

Campbell & Haliburton Insurance Is A Trusted Regina Insurance Broker

Dusyk & Barlow is a 100% locally owned Regina Insurance Brokerage providing honest, reliable, and personalized service to all their clients. Their long standing reputation in the community remains strong through maintaining high standards of excellence and ensuring that their clients insurance needs are met.

They are you Trusted Regina insurance experts !

Dusyk & Barlow is reminding homeowners to protect their homes against damage caused by ice dams.

“Ice dams can cause considerable property damage. If an ice dam forms and water enters the attic, it can damage the roof, ceilings, walls and contents of your home,” said Andrew Cartmell, President and CEO of SGI CANADA. “That's why it's so important to take steps to prevent an ice dam from forming in the first place.”

Preventative measures to protect your home from damage caused by ice dams include:

• Keep the amount of snow on your roof to a minimum. Use a roof rake or hire a professional to clear the snow away - for safety reasons, don't go up on the roof yourself.
• Keep gutters and downspouts free of snow, ice buildup and icicles so there's a ready path for melting snow and ice to drain.
• Ensure your attic is properly insulated and ventilated to prevent heat from inside your home from leaking into the attic and causing snow on the roof to melt. A roofing contractor can provide assistance if needed.
• In the fall, clean leaves and debris from your home's gutters and downspouts to allow melting snow to flow as intended.

 9 Things You Didn't Know About House Insurance: 

1. If a summer storm thunders through and the fists of Thor strike down your roof, are you covered?

Yes, yes you are. This season for Regina has been particularly busy for Mother Nature. Catastrophic amounts of rain, extremely high winds and lightning shows that put Gene Simmons to shame. You'll be happy to know lightning strikes are covered with your home insurance policy. 

2. What if lightning knock down the power lines in my neighbourhood and we don't have power for hours on end and everything in my Freezer and Fridge rots, are we covered for that?

Unfortunately most basic home policies do not cover this, however most comprehensive policies do. Your comprehensive policy will cover damage or loss to your belongings (ex: food) caused by a failure of any system in your dwelling or outbuildings that maintains an artificial temperature (furnace, freezer, or fridge) as long as the damage is a result of that change of temperature and due to a peril insured on your policy. If you are insured for lightning and lightning strikes your house and fries your freezer and you lose all of your ice cream – fear not! Your ice cream is covered. However if a family member accidently unplugs your freezer and that causes your loss you will have to get them to replace your frozen treats.

3. What if an airplane crashes into your house, are you covered?

Yes! Fact, if an airplane were to crash into your house, you're covered. If you're in the house when this happens you have many more things to worry about than your insurance coverage but yes, you are covered in the rare chance of a plane crash. 

4. What if a satellite or meteor crashes into your house, are you covered for that damage?

Yes you are! It's very common for satellites to fall out of orbit and back down to earth. If major damage is caused make sure you file a claim with your insurance broker.

5. If an airplane or car or a fire or Thor damages an aircraft I stored on my property, is it covered?

No! Many people think because once you have house insurance everything under your roof is covered. This is not the case. Any vehicles, airplanes, motorcycles etc. must have extra insurance purchased in order to have them covered. Your regular home insurance policy doesn't cut it. 

6. Are you covered for flood or sink hole damages to your house?

No! Your regular house insurance policy doesn't cover damage due to flooding or that of a sink hole. The former obviously much more likely than the latter.

You are not covered for any loss or damage cause by flood, surface water, or overflow from streams or other bodies of water. However you are covered for loss or damage if it is due to a sudden and unexpected escape of water from a swimming pool or its attached equipment, fire fighting activities, or a public watermain.

7. Would you be covered for damage from an Earthquake or volcano?

Luckily Saskatchewan is situated no where remotely near a fault line or volcano, so this one we don't really need to worry about. Generally speaking, damage from an earthquake is not covered under your regular home insurance policy. You are not covered for loss or damage caused by snowslide, earthquake, landslide, or any earth movement. However, damage from the volcanic ash of a volcano often is.

8. Are you covered if your home gets damaged in a riot?

Again, living in Regina, the odds of your home getting damaged in a riot aren't that high, I mean, as long as the Rider's have a winning record. Generally you're covered for damage from a riot. 

9. Are you covered if an explosion damages your house?

Yes, you are covered for most damage to your house.....unless Dad was trying to be a hero this past Canada Day and exploded a part of your house, your insurance broker may have a few questions for you.