Oegema, Nicholson & Associates Insurance Brokers Ltd.

The frigid temperatures, snow, ice and winds of Canadian winters take their toll on homes over the winter months, making it especially important for homeowners to look over their homes in the spring to catch any issues before they’re left dealing with more costly repairs.

Roof Damage

Accumulating snow and ice on your roof can cause damage, especially if ice damming has occurred during the freeze/thaw cycle on a shingled roof. If you have a shingled roof, examine it when you can safely access it and look for cracked, loose or curling shingles as these are all signs your roof is needing to be repaired or replaced.

Walkways and Laneways

Asphalt, interlocking and patio stones can crack, chip, shift and lift over the course of the winter months and into spring as the ground thaws, so be sure to inspect all paths of access to your property and home in the spring to ensure walkways and laneways are level and without damage which could cause someone to trip and fall on your property. Even what might seem to be a small issue can raise a liability issue should an accident occur and someone be injured so be sure to have any problems with walkways or laneways repaired in a timely manner.

Foundation

There’s a good chance snow and ice piled up around your home’s foundation over the winter, so take a walk around and inspect your foundation outside and inside looking for signs of damage or cracks. Sometimes even a small crack can cause water to enter your home and create a mess with damage to insulation, flooring, your household contents, and in worst-case scenarios, the structural integrity of your home. Be sure to have a professional address any potential issues in a timely manner.

Landscaping

The weight of snow and ice buildup along with fierce winter winds can cause branches of trees and large bushes to weaken, break partially or break off completely and fall. If you have trees or bushes on your property, check to see if any branches are in danger of falling on people, power supply lines, or buildings. If you’re not experienced or comfortable trimming trees or bushes or removing branches at risk of falling, call a professional.

Much like spring is a popular time to clean, declutter and for maintenance jobs around the home, it’s just as important to think about the exterior of your home and your surrounding yard or property as well. By staying on top of these areas of your home you can save yourself from dealing with larger repair jobs and accidents or injuries.


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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