Trusted Tips and Resources

Trusted Tips & Resources

Trusted Regina Real Estate Lawyer Robert MacKay warns about the potential implications of renting your property.

Our Trusted Regina Real Estate Lawyer Robert MacKay want's to ensure Landlords are fully aware of the financial and legal issues that can arise from criminal activity conducted by a tenant.  

A recent article from the Star Phoenix "Regina landlords lose bid to make insurer pay for drug-house explosion" details how a local landlord attempted to gain compensation for the home from the insurance company.  The insurance company had denied their claim and pointed to a 2003 notice posted in a renewal package that stated simply: “We do not insure property used for the illegal cultivating, harvesting, processing, manufacturing, distributing or selling of marijuana.”

Even though the landlords claimed they took all reasonable steps to screen the tenant and his partner, who had children and were otherwise “model tenants.” There was simply no way for them to know the tenants were surreptitiously running an illegal drug operation in the home, they argued.  However Court of Queen’s Bench Justice Richard Elson rejected those arguments stating "changes to the policy were hardly “buried.” They came highlighted in a special box on the front page of the renewal form". Further, he noted that renting always carries an element of uncertainty — and landlords should be prepared for the worst.


How can a landlord limit responsibility for crime committed by strangers on the rental property?

Screen tenants carefully and choose tenants who are likely to be law-abiding and peaceful citizens. Weed out violent or dangerous individuals to the extent allowable under privacy and anti-discrimination laws that may limit questions about a tenant's past criminal activity.

  • Don't accept cash rental payments.
  • Do not tolerate tenants' disruptive behavior. Include an explicit provision in the lease or rental agreement prohibiting drug dealing and other illegal activity and promptly evict tenants who violate the clause.
  • Be aware of suspicious activity, such as heavy traffic in and out of the rental premises.
  • Respond to tenant and neighbor complaints about drug dealing on the rental property. Get advice from police immediately upon learning of a problem.
  • Consult with security experts to do everything reasonable to discover and prevent illegal activity on the rental property.
As in this case screening doesn't always help it can limit the possibility of being denied by your insurance company.  Ultimately the liability falls on the property owner to be aware of the possible issues that can arise from criminal activity.  

Before you decide to rent out a property consult with a lawyer such as Robert MacKay to be certain that you are aware of all the potential legal implications and your options.  

For more questions and help with any legal property issues consult with our Trusted Regina Real Estate Lawyer Robert MacKay



Full article:

Regina landlords lose bid to make insurer pay for drug-house explosion

Nine years after a "honey hash oil" operation sent a fire ripping through a Princess Street home, the tenants will have to pay more than $179K

ARTHUR WHITE-CRUMMEY, REGINA LEADER-POST Updated: May 29, 2018

Dusyk & Barlow Insurance a Trusted Regina Insurance Expert share a tip on Ice Damming prevention and Insurance coverage


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.

If you have an ice dam causing damage to your home, contact Dusyk and Barlow right away.


There are 2 Dusyk & Barlow locations to best serve you  4615 Albert Street South and  302 University Park Drive or find them online here . Read the words of their happy clients on their listing On the Regina Directory they are your TRUSTED REGINA INSURANCE EXPERTS   




Trusted Regina directory team share a real testimonial from a happy client

The Trusted directories were set up based upon the principals of good business, and the foundation of good business is integrity. Simply put, if you don't care about your customers needs as a business then you will never be trusted.

When Sara the Trusted founder came up with the ' Trusted directories concept ' she wanted to have clear, simple guidelines or ' guarantees' laid out for all to see , and she knew it was important for the Trusted partners to sign contracts to uphold those guarantees (and for the partners to be held to them by Trusted).

Read The Trusted Guarantees here 

On a regular basis we get feedback from YOU the public when they have used the directory to find a Trusted business and we like to share it with you ..here we document some real words from a REAL customer about one of our partners on the directory.

 


I have always found them to be very knowledgeable and helpful. They always understand what our needs are and are more than willing at anytime to come out and do a review to ensure that our insurance needs are current. As a non for profit organization we occasionally have fundraising events and they always try to assist us with these events. Their sense of community is most appreciated.

Regards, Debbie Deausy 

 

THANK YOU Debbie for taking the time to share your experience 

 

When we give the Thumbs up to a business IT MEANS something!  

 

 

A Trusted Regina Insurance broker's tip on tenant insurance

Tenant or Renter’s Insurance

As a renter you may feel you don’t need insurance coverage. But take a look around. How much would it cost to replace all your belongings if they were lost?

Tenant or Renter Insurance can protect your contents and your liability exposure. All it takes is a few extra dollars a month and you’re covered.

 

 

Not all home policies are created equally, or priced the same. They are designed to meet each individual’s needs. Make sure you’re covered! Contact an  Insurance Representative today for your free quote!

 


 

A Trusted Regina Insurance Experts share a tip on Home Insurance

Home Insurance

Whether you live in your own home, a condo or are renting, you need to know you’re covered in case the unexpected happens. Conexus Insurance representatives can help secure your peace of mind. Our insurance professionals will meet with you to discuss your needs, to ensure you have an insurance package that works for you.

 

 

Home Insurance - If you own your home, you not only need to protect the building, but also your valuables inside. Although you may not want to think about it, the unexpected such as fires, vandalism or theft can happen.

A home insurance policy will ensure your property and all your belongings are covered. Coverage also includes protection from liability for accidents to people who may be on your property. A home, condo or tenant policy will make sure you’re covered.

 

 

 

Not all home policies are created equally, or priced the same. They are designed to meet each individual’s needs. Make sure you’re covered! Contact an Insurance Representative today for your free quote!  

 

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