Burned houseDo You Really Know What You Own?

What if this was to happen to you? Would you remember what you own? Not likely. Would you be prepared or suffer a significant loss? A home inventory can make the difference, assuring your claim.

So what if your home did suffer a horrible fate. Your insurance company would ask you to make a list of your contents to show proof of what you lost but what if contents are unrecognizable?

Therein lies the problem. Insurance companies recommend that you have a inventory of everything you have in your home, so that claims can be settled quickly and accurately - and you can receive everything you're entitled to.

See what the Insurance Bureau of Canada has to say about making sure you have a home inventory.
 
A common statement often made to the news media when a shocked homeowner suffers a tragic fire is, "I couldn't believe it happened to me."

But accidents happen every day, and so do fires from natural causes.
 
Last year, Halifax had a record number of almost 300 house fires reported, causes included faulty electrical and furnaces, kitchen and laundry fires, woodstove and chimney issues, smoking and much more.

Modern homes burn more quickly due to their open concepts and highly flammable materials, according to the Canadian Association of Fire Chiefs and the National Research Council, CBC News reported in January 2018. 

Forest fire costs expected to double

Furthermore, with the rise in Global Warning, the federal Department of Natural Resources expects Canada's forest firefighting costs to double over the next 20 years. Since 1970, the costs of fighting forest fires has increased steadily by about $120 million annually. Last year, Halifax lost 5,408 hectares of land to 21 forest fires. Noticeable this year was the increase in hot temperatures. A trend expected to continue and likely worsen.

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With Halifax being known as a "City of Trees," it should be time to consider what if? The what if almost happened recently in Cole Harbour, where residents were forced to evacuate and stay in a shelter overnight due to a forest fire that firefighters were fortunately able to get under control.



SafeList offers a free consultation to protect you from loss by fire or natural disasters, and to show you how to utilize your inventory in many other helpful ways. 902.445.6700

Assessing flood risks in Halifax

shutterstock 704598073Halifax is a vulnerable area both for expected sea level rise and for freshwater flooding during rain storms.

In 2017, Global News reported Halifax experienced some of its worse winter flooding in memory due to heavy rain, snow and clogged sewer drains.

In 2015, a report released by the University of Waterloo, sponsored by the The Co-Operators insurance company, found that Halifax was the least prepared of any Canadian city to deal with extreme rainfall. The City has been exploring evacuation plans.

Just this year, 2018, Maritime neighbour Fredericton was devastated by one of the worst floods in its history. What if it were to happen here? Large insurance claims would be inevitable.

It is much easier to just check water damaged items off a list than it is to photograph them, list them and describe them in detail. When your up to your knees in water, it's stressful enough.

SafeList keeps you prepared in the event of a natural disaster such as flooding. Contact us today for a free consultation on how your can use your home inventory in many practical ways. 902.445.6700

Fire & Natural Disasters

House flood
When a fire or a natural disaster strikes, making a record of everything you've lost is usually a stressful and time consuming process. SafeList will keep you prepared in advance, reduce your stress and speed up your claim process.
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Estate Planning

estate planning
Having a plan for family members to sort out your personal belongings can reduce their stress when grieving a lost loved one. SafeList can help you with a practical and more personal approach to estate planning.
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Moving & Downsizing

moving downsizing
The average person moves about 10 times in their lifetime. With each move their is potential for loss, theft or damage. Having an up-to-date record of what you own can protect you through a lifetime of mobility.
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Theft Protection

theft protection
Police recommend people record serial and model numbers of their expensive electronics to help them recovery stolen items. SafeList takes your inventory protection to another level, including other valuable items in your home such as jewelry, collectibles, antiques or expensive artwork.
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preNuPtials & Divorce

divorce
Splitting up joint belongings can be stressful when a marriage or common-law relationship falls apart, especially if communication between the partners is strained. SafeList provides solutions and a process to reduce the stress and potentially reduce legal fees.
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Business Assets

business

Most businesses maintain a careful inventory of products they sell. However, some overlook having an up-to-date record of their business equipment and other non-monetary business assets. Such a record protects against theft and is very useful if a business is being sold or divided.

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Having a record of your belongings is recommended by insurance companies,
firefighters, police, attorneys, financial planners and other professionals