melloInsurance

Serving our clients, Serving our community

Lyndon Block

Why is my neighbours hail claim being handled differently than mine?

Summer in Langham 2018 – July 7th to be exact, will be a storm to remember.  How do I remember the date? Well, when you fill in the same form over 300 times with the same date, it turns into “clockwork”.  What form was I filling out? A property claim form reporting the hailstorm damage to homes, cars, trailers, and sheds which notifies the insurance company of the losses sustained through the storm.  

Hail claims are about as much fun as getting your teeth pulled! You suffer damage to your property, due to a storm you didn’t ask for, you then have the privilege to talk to an adjuster – who may have not had his coffee yet; and in the end, your neighbour John, got his full roof replaced, and you only got one slope done!  

Did anyone feel some emotions reading that? When it comes to an insurance claim we set our expectations a certain way. Sometimes we expect no settlement, and other times we expect the world, because that is what our friends or neighbours received. However, emotions can take the logic out of the equation and there are some questions to consider:  

Question #1- Are all houses created equal?  That’s a big negatory Tomahawk!

Question #2- Are all insurance policies created equal? That is a negative as well.

Question #3 – Are all insurance companies equal? They try! But no, they handle things slightly differently to set themselves apart.

Just like homes, insurance policies are not created, designed or worded the same.  Some houses are more elaborate, some have high end components, and some have basic ones. Some are old and some are new. Some homes are big, others small, some short and some quite tall!  Now before I turn this into a Dr. Seuss children’s book, I’ll draw the line of comparison.

Insurance products are also quite different from each other, and they all carry different clauses and benefits. While one policy promises to color match and wrap an entire home for partial damages, another will only repair what was actually damaged, even if the colors can’t be matched 100%. Some companies will pay for the replacement cost of your shingles right up to their expiration date, while others only allow replacement cost coverage for the first 15 years, then the coverage changes to the actual cash value from that point forward. Of course, these differences are comparable to the quality, square footage, slope and stories of your home which in the end affects the price tag. If you want the size, the quality and the finish of a luxury home, you will pay for it. Likewise, if you want the luxury of longer replacement cost coverage terms and color matching coverage, it comes at a higher price.

Every item you buy has a corresponding price tag. The better the quality of the home build, the higher the cost.  The same coincides with insurance products, and we really can’t expect anything different. The quality of settlement you receive in the event of a claim directly coincides with the coverage you buy.  You want the full meal deal you’ve got to pay for it.

The days of a simple “easy-to-read” insurance policy is no longer, and to read the fine print of each one individually is nearly impossible. To find out what type of policy coverage you have purchased or if you have questions, talk to your broker. They will be able to tell you if your policy is the equivalent to a Cathedral Bluffs mansion, or if you are more in the 350 square foot cabin range.  Whichever you prefer, it’s important to be informed and to know what you have – that way you can decide to make a change/upgrade or at least it will manage your expectations when the hail hits, and you’ll have a less frustrating time in settling your claim.

Our job is to assess the risks to your home, and then to give you a policy that fits your needs and your budget. Every person has different requirements when it comes to insurance. They need it because the bank says they need it. They want the best coverage because it is the biggest investment of their life. Maybe the person is really handy and can fix most things, so he needs less coverage because he won’t ever put in a claim. Every person/home is different. However, this is just a scenario to show that what you pay for can directly translate into what type of coverage you end up having. Please call us if you want to learn more or would like to make changes to your policy.

Does ATV literally mean All Terrain Vehicle?


“Meanwhile, in Saskatchewan” – seems to be a meme that trends frequently. Whether it is our gale force winds, cold winters, tractors stuck in the mud or campground shenanigans, we live for the outdoors and all the work/fun that comes with it.  One of the prairies best features is our limitless boundaries. If you have a snowmobile in winter or an ATV, you can pretty much navigate through our entire province. The only thing that may stop you is a river or lake – which we are fortunate to have plenty of.

When you buy an ATV (Quad, Mini-bike, Dirt bike, UTV, Side-by-side, etc.), one of the first things you’re going to want to do is take it up to Nistbet Forest for trail riding or to go to the river hills and just “send it” – meaning “take it out for a rip, there bud.” Whatever your poison is, it is important to do a small bit a research before you go out for the ride of a lifetime.

One thing you’ll want to know is where you are allowed to drive? You can drive an ATV on Crown land (except for roads on Crown land), including highway right of ways (ditches). You can only drive an ATV on the travelled portion of a road or street, in the following circumstances:

  • On a road or street authorized by a local bylaw
  • On a road or street authorized by the Highway Traffic Board
  • When crossing a road or bridge (unless prohibited by a local bylaw or the Highway Traffic Board)

You MUST have the permission of the land owner or occupant before you can drive an ATV on private land. Most snowmobile trails forbid the use of ATV’s on their marked trails. Look for signs indicating permission, prohibition or restrictions or contact your local municipality for more information. In a public area, the operator must be able to provide proof of insurance (liability). Please contact us to see if you have this coverage or would like to add it.


When riding it is important to be cautious and think “safety first.” Always wear an approved motorcycle helmet and appropriate protective eye wear – both are legally required when operating or riding on ATVs in public. A person must be 16 years of age and hold a valid driver’s license to operate an ATV in any public area. Youth between 12 and 15 can operate an ATV in public areas and may cross roads – but cannot drive on roads – if they have passed approved ATV training course or if they are supervised by someone who has held a driver’s license continuously for the past 365 days. It is also illegal to operate an ATV under the influence of drugs or alcohol – even on private land. For some information on training or a safety course – please click here.

If a collision occurs – it is important to do the following:

  • Remain at the scene or return immediately after notifying authorities
  • Provide all reasonable assistance
  • Notify the property owners of any damage
  • Inform property owners, in writing, of the names of the ATV owner and the operator
  • Submit a written report if there is an injury or death

 

These toys can be a lot of fun, but it is very important you have done your due diligence beforehand, so you don’t have an awful surprise after/during a claim. Nobody wants to have a collision or theft and not be covered – whether it is for damage to the ATV itself or for injury or damage to someone else or their property. Our priority is to keep you informed and keep you safe. If you ever have any questions, please don’t hesitate to ask.

Who should handle my insurance? Broker? Bank?

Every homeowner has been there.  You are sitting across the desk from your mortgage provider signing an endless mountain of forms and papers for that new place you look forward to calling “home.”  You are flipping through the pages and somewhere in the stack will be a form asking if you would like to purchase property insurance through the bank, and they promise that it will be as easy as 1,2,3.  However, you are hit with a moment of hesitation that asks “is this the best choice?” Rattling in your brain, between the regions of convenience and responsibility, the argument ensues – “Do I just sign the form to get it over with, or should I check my options?”  This existential conflict leaves you in limbo for a few moments while your pen hovers above the line. Suddenly your train of thought is derailed by that oh-so-pleasant bank employee asking you if you would like to purchase home insurance through the financial institution.

Should I?  Should I not?

Of course there will be no surprise at my bias when the recommendation I give is to refrain from signing.  Why? Well, a couple reasons really.  First of all, I am reminded of the wisdom my parents shared with me which encouraged me to shop around, and to not take the first offer in any deal.  All too often a person can save money and find better value by being patient, looking, and doing some due diligence. I know what you are thinking: “Shopping around my insurance is a huge pain, and I just want to get it over with!” This leads me to my second point, which is – Do you think it is a coincidence that the banks are asking you to purchase insurance products in a quick moment like that? No, banks know what they are doing, and they know that the best chance to gain your insurance portfolio is to offer it on the spot, in the moment when you are feeling the excitement of the deal, and the desire to avoid any further work prior to possession.  I would encourage you not to play their game. Not to take away from a banks credibility in handling your finances, they just haven’t been in the insurance industry long enough to know how to handle your insurance portfolio.

In my career as a broker, I have seen many customers come to me with insurance documents issues from a bank.  They are frustrated that their mortgage officer can’t answer their insurance questions, and when they push for an answer they get redirected to a call-centre.  Further, when it comes time to add that new boat or ATV or some other item, to a policy, the recurring answer I have heard people get is that they need to insure those items elsewhere.  In short, the transaction of taking your premiums is made easy, while getting the service on what you have purchased is not so easy.

With an insurance brokerage you have a dedicated person that is there to talk about your insurance needs.  They are a licensed individual that is familiar with many insurance products, not banking products. An insurance broker has a vast array of insurance products that can cover most, if not all, of your insurance needs.

The clincher though? Brokers carry E&O insurance.  This means that if a mistake was made on your policy, or if there is an omission of coverage, a broker has insurance backing the transaction so that an error can even be covered from time to time.

Brokerage or Bank? It’s your choice, but now you know a few more reasons why to consider a brokerage.  Don’t let the bank pressure you. You are in the driver’s seat of your insurance needs. Grab the wheel and make the choice that is truly best for you!

Saskatchewan Health Insurance 101

Good morning everyone. As you are well aware, the cooler weather is unfortunately upon us. Summer has come and gone, but it’s time to think about bundling up, and potentially going on a warm vacation to escape this transition of prairie grass to arctic tundra.

With the cooler weather and the beginning of the school year, you are bound to get sick. It’s not a matter of – if, it’s just a matter of – when. Health is something we take for granted until it is in question. Weather it is a slipped disc, kidney stone, cold & flu, broken bone or torn muscle. We don’t appreciate our health until it’s gone.

Therefore, we always recommend looking into your health benefits. Whether, it is through a work/group plan or by purchasing your own plan, health coverage needs to be a priority in your life. Some major checkpoints to review your plan would be:

Family Changes – Getting Married or having children are important times to review your health insurance policy. You will want to make sure all family members are added on the policy and that coverage is in place. When you have a child, you have 60 days with Blue Cross to simply phone into their call centre and add your child to your policy over the phone. If you miss that window, you can simply fill out a form to add your dependent to your policy.

Job Change – Switching roles or jobs can result in different benefits in your plan. It is important to make sure your coverage transfers and that you continue to be properly covered. Being on the payroll and then hired on as a contractor or consultant can change whether your are insured on their group plan or responsible for your own insurance policy. Please make sure you review these changes.

Retirement – Going along with the job change, when you retire, you will no longer be covered under your employer’s group policy. You will need to file for a individual plan for you and your family. Blue cross has a easy conversion calculator to see what your plan would cost with Blue Cross. You can access the quoting tool on our website here. Or go on blue cross site here.

Basic Health Plans generally include coverage for:

  1. Ambulance
  2. Hospital
  3. Private Nursing
  4. Accidental Dental
  5. Medical Equipment
  6. Hearing Aids
  7. Prosthetic & Medical Appliances
  8. Diabetic Supplies & Equipment
  9. Orthopaedic Shoes & Supplies
  10. Mobility Aids
  11. Blood Pressure Monitors
  12. Ostomy Supplies
  13. Out of Saskatchewan/In Canada Travel
  14. Vision Care

Many of these items have limits in coverage, please check your health plan to see what your policy covers. If you would like us to review your plan, please bring your policy into our office and we can take a look. You can also add other options to your plan. Such as:

  1. Prescription Drugs
  2. Dental
  3. Hospital Cash
  4. VIP Travel
  5. Critical Illness
  6. Term Life Insurance
  7. Student Accident*

If you have any questions about this coverage, please call your insurance provider, or come by with your policy and we can review it for you. Our Health Insurance providers include Blue Cross & Group Medical Services (GMS). We offer Allianz Insurance for more specialty plans.

Volunteer Fire Fighting Coverage – “Is this something I need?”


As most of you have seen, the fires in BC have been problematic again this year. The summer was dry and fires spread ferociously. In Saskatchewan, we had a few grass fires as well. They were not as severe, however they did cause a fair amount of natural damage and kept the fire departments busy.

These wildfires can be very hard to contain. One fire department is usually not enough and it takes a “village,” so to speak, to put these fires out or contain them. For every department that shows up, they will generally have both a call out fee and an hourly fee based on how long they were on the scene. In most urbanized centers, your taxes will include the costs of a fire call-out. However, in the rural areas or smaller towns, there may often be an invoice for these services that you are responsible for. This is something you should look into with your local RM or  Municipal office.


In our local Saskatchewan departments, the average call-out fee is around $1200. The hourly rate is close to $1000 per hour. This means that if you had a house fire, shop fire, machinery fire or grass fire that you were responsible for, and one department spent 10 hours on the site putting out the fire, you could end up with an invoice of over $10,000. Now imagine the fire spreads to other locations and now 2 or 3 local department show up. This could end up being $20,000-$30,000. This seems far fetched, but we had 2 fires this year alone where the fire departments reported invoices of close to $20,000 and $40,000. The invoice usually gets sent to the land or property owner where the fire originated. So even though the fire did minimal damage on your property, if it spreads to other people’s property, you can still be on the hook for all the firefighting costs.


To protect yourself from these potential costs, you can add volunteer fire fighting coverage to your home/farm policy. Most RM administrators are recommending around $20,000 coverage for potential losses. Some insurance companies bundle this coverage with other packages to make them more flexible. For example, with My Mutual Insurance, you can purchase an “Agri-Shield” product which includes: Volunteer Fire Fighting, Debris Removal, Farm Building Contents – including Tack, and Tool Coverage. This package starts at a limit of $60,000, however, it can be increased. The reason that this is more flexible is that you can either use the full $60,000 for fire fighting if needed, or you break down the coverage as needed. For example, you have a shop fire and you need $10,000 for fire fighting, $25,000 for tools, $10,000 for debris removal and $10,000 for misc. farm contents. This coverage can be split up to reach those individual limits up to the total limit you have selected. Another potential scenario is a grass fire is starting on your land and you end up needing $40,000 to pay for fire fighting costs – this would all be covered under this package.

If you were to buy these coverages individually ($60,000 fire fighting, $60,000 tools, and $60,000 debris removal) this premium would end up being much more than the Agri-Shield product. Please give us a call if you would like to learn more about this product or would like to add these coverages to your policy.

Farm Liability – Protect you and your farm.

Harvest is here. The most exciting & insane time – of the farming year. You’ve got sprayers spraying, swathers swathing, combines combining, truckers trucking and augers augering. #Poetic #SixGeeseALaying #StopEatingMyCrops. You’ve got so many moving machines, people going in a million directions and you’re fighting a timeline before things freeze or mother nature decides to bring a heavy rain or an early snowfall. You have to work around the clock to capitalize on the nicer weather. Unfortunately, there is no such thing as a free lunch in the farming world – which is ironic since they feed us all.

With all this commotion of people and moving equipment, plus working day and night; mistakes can be made. For example: You accidentally back the combine into your fuel truck parked behind you. You may take a corner too tight and hit a nearby power pole. You spray the wrong field. You spray during a windy day and accidentally overspray and kill your neighbours crop. There are so many things that “could” go wrong. That is why you carry Comprehensive Farm Liability. You never know what may happen, and even though you do not intend to do any damage; being sleep deprived or just zoned out, you can be negligent and cause a mistake.

Comprehensive Farm Liability is designed to protect yourself against such negligence. Most farm policies will automatically include $1 million liability on your policy (Which, of course, can be increased if required). You will likely need to declare the amount of acres your farm (Rent & Own) as this liability will extend to your entire farm operation. If you decide to do some custom work for other farmers, you may need to look into what limit your insurance carrier allows for this as that now becomes a commercial operation and may need to be reviewed. A little bit of work is usually included (as a neighbourly gesture) by most companies. However, if you plan on doing any custom work – make sure you contact us to make sure your insurance carrier is on board with the custom work, as this is a material change in operation and they need to be notified. 

If you are a landowner, but have wound down your farm operation, it is still important to carry Comprehensive Farm Liability. How the courts determine negligence is open to interpretation. So if someone trespasses on your land (even if it is marked) and are injured on your land. You may be found liable for injury or damage to that person based on the arguments in court. For example, a snowmobiler rides onto your property during the winter. They are zipping through the field and collide into an old set of heavy harrows that have been buried in the snow or an unmarked slough/dugout. The harrows and dugout were not flagged and therefore are the landowners responsibility. He may be found negligent and sued for damages.

This seems like an unfair situation affecting the farmer. However, scenarios that can be out of the farmers control, may still find their way into his responsibility. Again, this is why you carry Comprehensive Farm Liability to protect yourself against things that are out of your control. 

We would love to review this coverage with you and if you have any questions or concerns, please feel free to contact us. We are in your corner and want to serve you in any way we can. Our motto is “Serving our clients, Serving our community,” for a reason. We want to make sure you have a safe, secure and amazing harvest! Thanks for reading!