We would like to extend our thoughts to those folks who are dealing with major flooding in areas of Bracebridge, Bancroft, Huntsville, and other parts of central Ontario.  One of our Insurance Companies – Farmers’ Mutual, sent along this very useful tips piece, and we would like to share it with you:

From Farmers’ Mutual:

In this time of crisis, knowing what to do in an emergency can make all the difference. Your home insurance protects you against water damage, but not in all cases. It all depends on the cause of the disaster.

Mould, Fungi and Spores are not covered by your policy if they are caused by an ongoing problem.

Urgent steps in a water damage emergency:

• Prevent Electrocution! Shut off power to all flooded areas.
• If possible, Stop the Water!
• Protect Furnishings!

DO’s…

• Do remove as much water as possible by mopping or blotting with large bath towels (Try not to leave colored towels on the carpet as colors can bleed)
• Do wipe furniture down to remove excess moisture.
• Do prop up wet furniture cushions for even drying.
• Do lift drapes off the floor, loop through coat hanger and hang from curtain rod.
• Do remove wet area rugs, furnishings and anything else on the flooring in the affected area.
• Do move valuable pictures, paintings and art objects to a safe dry place.
• Do open closet doors and dresser drawers and anything else that can be opened to allow air to circulate.
• Do stay out of rooms where the ceiling is sagging.
• Maintain records of any expenses regarding the temporary repairs to provide to your adjuster.
• Please provide a phone number(s) where you can be reached.

DON’TS…

• Don’t use your household vacuum to remove water.
• Don’t use electrical appliances while standing in wet area.
• Do not dispose of damaged items as the adjuster may want to examine them.
• Your insurance adjuster will contact you and advise you how to proceed with your claim and will explain what forms or documents will be required to complete your claim.

If you have any questions about flooding and the coverage you have in place, please contact your insurance broker. 

Cornerstone Insurance Brokers is a full line insurance brokerage with offices in Woodbridge/Vaughan, Markham, and Barrie.  Cornerstone provides car, home, motorcycle, farm, equine, rural, business, life, and health insurance, as well as employee group benefits all over Ontario.