Oegema, Nicholson & Associates Insurance Brokers Ltd.

Spring has officially arrived causing many to think of their spring cleaning to-do lists. There are a few additional items you should add to your cleaning and general home upkeep lists this spring and all year round to help in the prevention of home insurance disasters. Many of the items are fairly simple to do, but can make a big difference in keeping your home and you and your family safe.

Dryer Safety

Most will check and clean the lint trap of their dryer with each load of laundry but what some may not realize is that although the trap does the best it can to prevent lint and debris from getting into your dryer hose, it doesn’t normally stop everything from getting through. A blocked dryer lint trap and/or hose pose serious fire risks so this cleaning tip can be a big help in preventing serious damage to your home, and potential physical injury to yourself and your family. To keep your dryer hose clear all year round, use a slim vacuum attachment to clean any areas you can reach. If you aren’t sure if you’ve got all lint and debris out of the hose, consider hiring a washing machine and dryer repair person, who you can also request to check that your machines are in proper working order in the same visit.

Detectors

You’ve likely heard the reminders to change the batteries in your smoke and carbon monoxide detectors when the clocks are set back or forward in the fall or spring, but most are not checking their various detectors regularly to ensure they’re working correctly. A smoke or carbon monoxide detector can only alert you and your family of danger and give you time to escape if they’re in proper working order so it is recommended that you check and test your detectors on a monthly basis to catch any issues before the detectors are needed most.

Water Heaters and Air Conditioners

While you may have a greater tendency to check the items and machines which are in your sight on a regular basis, it is also extremely important not to forget about any items or machines which may be hidden away in a basement, crawl space, or utility room. One such item to keep a regular eye on is the water heater. You should make a habit of checking your water heater for any leaks or signs of corrosion and have the machine repaired or replaced as needed to prevent water damage to your home.

Another item to keep an eye on and perform regular maintenance or repairs to when needed is the air conditioner. Don’t just trust that when the hot weather rolls in that your machine will be good and ready to handle the work needed to cool your living space. Be sure to cover or store your air conditioner appropriately as suggested by the manufacturer to prevent debris and small animals from entering the machine and causing serious issues when the time comes to turn it on.

Yard Maintenance

 

Aside from keeping the lawn cut and flowers watered, homeowners who have any amount of yard space should be aware of any other items or plants in their yard which could lead to a home insurance nightmare. Some items to keep in mind are keeping trees and shrubs away from any utility wires or access boxes on your property, keeping them trimmed as to not damaging or compromising your home’s roof or exterior, as well as being mindful of tree and shrub placement to prevent thieves from using their placement for covered access points into your home.

Driveway and Walkway Repairs

Preventing slip and fall accidents on your property goes beyond just clearing snow and ice in the winter months. Care should be taken at all times to repair any parts of your driveway or walkways which are broken, uneven, cracked, or damaged in any other way.

While the items listed in this blog are representative of some of the more common home insurance nightmares people have faced, there are others not listed. Please note that by completing any or all of these items or tasks does not guarantee the avoidance of an issue which may result in making a home insurance claim, they are meant as guidance to help prevent. If you have any questions about your home insurance policy with us or require home insurance, contact us today.


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Testimonials

  • “We have had our house and vehicle insurance with OEGEMA-NICHOLSON & ASSOC. INS. BKRS. located at 243 Castor Street in Russell, Ontario, for several years now. The people in the office have always been friendly and courteous whenever we had any queries and, in particular, we want to thank Christopher Lough who has been so helpful in every way. The thing we like the most is when you telephone this office you get a live person answering and not a machine.”-Jerry Gaudry
  • “I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well.”-Charlene Brunet, President, Dan Murphy Ford
  • “ONA helps me with my personal insurance and my business insurance . They are my one stop shop when it comes to insurance and group benefits. I know I’m covered in all areas. Great friendly service and knowledgeable staff!”-James Carriveau, President, Exact Interlock and Exact Properties
  • “I would like to thank Carol for everything she has done for me and my family over the years. It is my honest belief that we would not be in the position we are in if it was not for her guidance, expertise and honesty. We can’t begin to thank her enough.”-Tim
  • “It’s always a pleasure to deal with Oegema, Nicholson & Associates, and I can depend on them for all my insurance needs. I have been a client for several years and whether it’s regarding my personal insurance, or anything to do with our employee benefits or commercial needs, I know I’m taken care of.”-Rhonda, Capital Dodge
  • “I know all my insurance needs are covered with Oegema, Nicholson & Associates. I have been a loyal client for the last 15 years, and I can count of them for my commercial insurance, employee benefits, as well as my personal insurance and finances. Jeff Richer always goes above and beyond to help me with my insurance needs.”– Omkar Atwal, Owner, Leitrim Home Hardware
  • “One call to Oegema, Nicholson Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions.”– Jennifer Parks, Stittsville, Ontario