News/Articles

If a flood or fire happened in your home tonight, could you tell your insurance adjuster exactly what you lost?

When a restoration team arrives at your home after a flood or fire, one of the first decisions that gets made is whether your belongings will be cleaned and treated on-site — or packed out to an offsite facility.

The best time to document your belongings is when nothing has gone wrong yet.

When homeowners imagine fire damage, they picture flames. Blackened walls. Charred furniture. A room that’s been physically burned.

Step away from the rice.

When a flood or fire hits, most people think first about their furniture, their appliances, their structural damage.

Spring in the North Okanagan is beautiful — but it’s also one of the most stressful seasons for your home. Snowmelt, heavy rain, and fluctuating temperatures push water into places you’d never think to look.

Your home insurance policy is supposed to be your safety net — but buried inside that document are clauses, exclusions, and definitions that could leave you holding the bill when disaster strikes.