Some insurance companies will require metal siding or roofing to be punctured before coverage applies. Coverage for cosmetic damage can normally be added. Ask about this today to ensure you have the coverage you need for a storm.

There are several different types of coverage available for farm outbuildings. Snow load is not automatically included and it is important to review coverage, especially the older buildings. Your broker can help you understand the coverage available on your farm outbuildings.

All heaters must be installed and used based on the manufacturer’s specifications. Most portable construction heaters are not designed for continuous use and there have been some recalls on these different units.

It is important to notify us of any new or changes to your heating sources. Some heating sources must be approved by the company before they are used or it will nullify your coverage, regardless of the type of claim that occurred. We encourage you to consult with us before changing your heating source as some types of heating can result in premium surcharges.

Bio-tech buildings receive limited coverage based on their construction and use of a tarp as a roofing material. These buildings will often have snow load excluded and it is important to notify us of any changes, such as a new tarp as it can impact both pricing and coverage.

Coverage is often limited to basic coverage like fire, lightning and vehicle impact. Both snow load and wind are often excluded so it is important to review your coverage.

The cost of building supplies and labour has increased significantly over the past several years. It is important that you are insured to full value to avoid potential penalties for partial or complete losses.

If you rent land that includes buildings that you have access to, they are not automatically included in your policy. We need to review your rental agreement and then add the building or add Tenant Legal Liability to ensure that you have coverage for defense and potential suits from the owner or their insurance provider.