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A TRIPEMCO BURLINGTON INSURANCE GROUP NEWSLETTER OCTOBER 2012

- Drinking and Driving Laws Just Got Tougher Approximately 16,000 people are convicted of driving with a blood-alcohol level above the legal limit in Ontario each year.

- One Person, One Seatbelt Law – Now in Effect All Drivers and Passengers Must Be Buckled Up.

- Winterizing Your Home As the warm weather comes to an end, it’s time to prepare your home for the winter months ahead.

- Storing Your Motorized Toys for Winter It is very important when storing anything with a motor that you make sure that you take the following steps to avoid any unnecessary damage.

- Deep Snow is Deep Trouble Every winter, many roofs collapse due to heavy snow or ice loads.

- Pam Ostrosser - Receptionist.

IN THIS Issue

A strong business is built upon a solid foundation of insurance....

Drinking and Driving Laws Just Got Tougher

the first offence, you could face significantly higher insurance premiums. While your license is suspended, you are uninsurable.

About one quarter of all Ontario collisions with fatalities involve drinking drivers. Drinking and driving hurts us all - through deaths, injuries and personal tragedies, in addition to costs for health care, emergency response and property damage. Please don’t drink and drive

Did you know?In Ontario, the legal limit for blood-alcohol is .08 milligrams per 100 milliliters of blood.

Keep our roads safe for all motoristsIf you host an event or party where alcohol is served, you have a legal responsibility to ensure your guests do not drive after drinking. If your event requires a liquor permit, your liability exposure is greatly increased. The line between host liability and liquor legal liability can be fuzzy. Talk to us about insurance options that can reduce your liquor liability exposure.

Attention party or event hosts, here are some tips to reduce your liquor liability exposure:•Hirealicensedandinsuredvendorto serve the alcohol. •Servedrinksratherthanhavinga self-service bar•Servefood,asadequateamountsoffood slows down the effects of alcohol•Offerplentyofnon-alcoholicdrinks•Holdtheeventearlyinthedayto discourage excessive drinking •Provideataxioralternativeformsof transportation for guests who have imbibed.(Copyright: Staying in Touch 2009 – Volume Nineteen, Number One)

Changes to Ontario’s Highway Traffic Act in 2008 means you could now face a three-day suspension (for your first offence) if you operate a motor vehicle with a blood alcohol level of .05 to 0.8 or more. In the past, it was a 12-hour suspension. If you are caught a second time, your license may be suspended for seven days, and you will be required to undergo a remedial measures course.

From an insurance perspective, any suspension is now recorded on your driving record. After

Approximately 16,000 people are convicted of driving with a blood-alcohol level above the legal limit in Ontario each year. That’s almost two people every hour!

Celebrating years

“Tripemco would like to welcome The Dominion to our office.”

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THE TRIPEMCO BURLINGTON INSURANCE GROUP NEWSLETTER ISSUE TWELVE

www.tripemco.com

All Drivers and Passengers Must Be Buckled Up

As of November 2, 2006, everyone in a vehicle must be buckled up or secured in the appropriate child car safety seat – it’s the law. This legislation closed a loophole where some people were carrying more passengers than the number of seatbelts in the vehicle.

The “one person, one seatbelt” legislation prohibits “doubling up”– that is, two or more people using the same seatbelt at the same time.

Drivers are responsible to make sure all passengers under 16 years of age are wearing a seatbelt or are secured in an appropriate child car

One Person, One Seatbelt Law – Now in Effect

The following property maintenance checks will help ensure a properly winterized home:

• Makesurethefurnacefilteriscleanandsizedproperly. Check the thermostat to be sure it is working and that the pilot light is functioning. Have a qualified specialist clean and check your furnace, replacing and cleaning the necessary parts. Vacuum hot and cold air registers if necessary.

• Checkyourchimney.Ifyouhaven’tusedyourfireplaceina while, check for animals, debris and leaves. Consider having a qualified professional install a screen over your chimney opening.

• Cleanyoureavestroughanddownspouts.Whentheyare clogged, rainwater backs up. When the temperature drops below freezing, the standing water freezes causing the eaves trough and downspouts to expand and crack. Remove any leaves, dirt and debris.

• Checkforbroken,damagedorlooseshingles,smallholes,and loose nails. Check flashing around all dormers, vent pipes, himneys and any other projections where the roof covering meets an adjoining surface.

• Makesureyoursmokealarmandcarbonmonoxidedetectors are in working order. Check the batteries regularly. Remember to change the batteries whenever you change your clocks.

• Checkweatherstrippingaroundwindows,doorsandbetween the foundation and siding. Replace where needed. If the caulk is cracked or peeling away, it allows your home’s heat to escape.

• Cleanandrepaircracks,fissuresandjointsinconcretesurfaces. Repairing sidewalks and driveways helps with snow removal.

If you don’t have the time or the expertise for your winter home maintenance, contact a qualified professional. (Copyright: Staying in Touch 2008 – Volume Eighteen, Number Two)

Winterizing Your HomeAs the warm weather comes to an end, it’s time to prepare your home for the winter months ahead. Performing a few quick and easy maintenance items now, could save you time and money down the road.

Add rain or heavy, wet snowfalls on top and you’ve got a dangerous combination.Often roofs collapse suddenly, giving occupants little, if any, warning to evacuate the building.

Roof collapse can happen to new and old buildings alike and cause extensive damage to the building and contents. Low pitched and flat roofs are most susceptible to collapses.

Most roof designs can handle snow loads of 20-40 lbs per square foot. But, as the chart below shows, packed snow with ice can easily overload a roof.

Snow Type Approximate Density (lbs per square foot for every 12” of depth)Light and Fluffy 5-20Packed 20-40Packed with Ice 40-58Ice 58

Watch for ice build up on the edge and valleys of your roof. When heat escapes through your attic, it melts the snow. When this water freezes at the edge of your roof, it forms an ice dam and allows water to back up and enter the building under the shingles and wood decking. Besides adding extra weight to your roof, ice dams can cause extensive water damage inside.

Excessive accumulations of snow and ice will require removal. For safe removal that won’t endanger you or damage your roof, consult a roofing contractor. Be certain the contractor is covered by WSIB (Workers Compensation) and provides you with a current liability insurance certificate.

If you are removing the snow on your own, be very careful as the roof can be very slippery. 1. Choose a pair of boots with excellent traction.

2. Choose a proper shovel. A plastic bucket (scoop) shovel with a large handle is best so you can scoop and slid the snow off the roof’s edge.

3. Don’t pick or chip at ice near the roof surface or dig deep as you may damage the shingles and shorten the roof’s life expectancy.

4. Do not pile all the snow in one area before removing it. This may overstress that section of the roof causing it to collapse.

5. Be safe, not sorry. Consider your options carefully.

(Copyright: Staying in Touch 2008 – Volume Eighteen, Number Two)

Every winter, many roofs collapse due to heavy snow or ice loads.

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THE TRIPEMCO BURLINGTON INSURANCE GROUP NEWSLETTER

safety seat. Those passengers 16 years of age and older must wear a seatbelt or could personally face a fine.

The fine for failing to use, or improperly using, a seatbelt is $90 plus a victim surcharge of $20. In addition, drivers who fail to use or who improperly use a seatbelt can have two demerit points applied to

their driver record.

The “one person, one seatbelt” law will help prevent needless deaths and injuries on Ontario’s roads. Please buckle up.

(Copyright: Staying in Touch 2007 – Volume Seventeen, Number One)

Pam Ostrosser has been employed at the Head Office in Stoney Creek for the past 9 years. She is our front line Receptionist and everyone’s go to girl. Pam is the first person our clients talk to and is a vital cog in the office’s day to day operations. Her professional and friendly manner is well accepted from all our clients and staff.

Pam has been married to her husband Glenn for 26 years and has 2 teenage daughters. Pam has devoted countless volunteer hours as an Executive member of Mahoney Minor Baseball; and a Mahoney Representative for the Hamilton District Baseball Association. Pam and her husband co-ordinate Boys Baseball for the CANUSA Games as well. Pam also volunteers her time as the Community Representative for R.L. Hyslop Public School Council. In Pam’s spare time she enjoys attending sporting events which her daughters are involved in. She loves to travel when time permits.

Pam Ostrosser Receptionist

Employee Profile

It is very important when storing anything with a motor that you make sure that you take the following steps to avoid any unnecessary damage:

1. If you don’t have access to the vehicle disconnect the battery and remove it, make sure not to store the battery on a metal shelf.

2. There are gas additives that you can buy that will keep the gas from going bad depending on how long the vehicle will be stored.

3. For outboard motors it is important to make sure that you blow out any water from the lower unit to avoid freezing and cracking.

4. Make sure that air pressure is good and that you don’t have

any slow leaks in any tires.

5. If storing outside it is better to have your vehicle off the ground with blocks to avoid excess snow load on the suspension.

6. It’s a good idea to put mothballs in a vehicle that is tored indoors to avoid mice and squirrels from chewing the upholstery.

7. In extreme cases you can remove spark plugs and add engine oil to each of the cylinders to avoid rust.

8. Vehicles covers are a great way to reduce to chance of damage from dust and dirt.

9. Make sure that the place you’re storing your toy has the proper insurance to avoid any coverage gaps.

10. Its better not to start your vehicle unless to can let it run for at least 15 to 20 minutes to avoid condensation from building up.

It is very important when storing anything with a motor that you make sure that you take the following steps to avoid any unnecessary damage:

Storing Your Motorized Toys for Winter

THE TRIPEMCO BURLINGTON INSURANCE GROUP NEWSLETTER ISSUE TWELVE

Deep Snow is Deep Trouble