The Importance of Shopping Locally

The Importance of Shopping Locally Windsor Essex AmherstburgTis the season for spending money! While it can be very convenient to shop online, score deals stateside or choose a mall or big box retailer for ‘one stop-shopping’, we’d like to you to consider making the effort to ‘shop local first’. Whether holiday shopping for gifts, choosing a company to cater your event or meeting up with friends or co-workers; shopping locally benefits you and your community.

How do I benefit by shopping locally?

A percentage of every taxable dollar you spend locally, stays local! This money goes to valuable community services such as police, fire, youth and senior programs, our libraries, parks and maintenance of essential systems – all which improve our community and the quality of our lives and those who visit our small town.

Further, your continued support of local businesses helps attract more businesses and entrepreneurs to our community; which has a domino effect of more selection, more tax dollars for local improvements and opportunities for tourism = all which positively impact you!

Local business owners are our family, friends and neighbours. They support charitable events, they hire your neighbour. They sponsor your child’s hockey, dance, baseball, soccer teams. They volunteer their time at local events to make the community a better place.

Save time and money. Think you’re scoring a deal heading into the city to buy gifts? Although we’re enjoying relatively low prices on gas now, think of how much of your money and time commuting would be saved (not to mention stress dealing with unruly deal-seekers!). Local businesses are often more accessible to all than huge big box retailers or malls.

Selection and availability of products. You may be surprised at what is available in your small town. Ask friends and families where they shop locally and make a quick call to a local business to see if they carry what you’re looking for. Park your vehicle and explore local businesses on foot – you may just find more of what you need on a weekly basis is right here in your town!

Connect with your community. Whether you’re new to our town or lived here your whole life; shopping locally is a fantastic way to connect with the pulse of your town. Meet your neighbours, learn about upcoming events, feel connected to where you live!

If you’re a business owner, thank your customers for choosing your local, independent business! Ask how or why they thought to patronize your business – and in the future, focus your advertising dollars to those sources… And remember to support local businesses yourself!

Final thoughts

  • Could you allot an additional 25 percent or more of your holiday shopping dollars to local businesses?
  • Could you include on your wish list gifts purchased from local business?
  • Could you encourage your friends, family and co-workers to also shop locally?

Let’s give it a try and see how we all benefit. Let us know!

Helping You Protect What Matters Most

Gibb Insurance Brokers - Amherstburg OntarioWe realize that insurance isn’t something the average person thinks of on a daily basis. But when you have questions, need to file a claim, have a change in coverage or are searching for a lower rate, we feel it’s preferable to deal with a real person who lives and works in your community.

At Gibb Insurance Brokers, we strive to give excellent personal service to each one of our valued customers, and please know that we’re here for you anytime you need us.

In our effort to compete with the large ‘chain’ brokerages, we offer a lot of advice, information and tips on our blog, as well as an online ‘request a quote’ form. If we’ve served you well, we’d appreciate a referral; it’s the ultimate professional compliment.

Thank you for your continued support of our Amherstburg business. We look forward to serving you in the future.

Chris Gibb
President
Gibb Insurance Brokers Inc.
519-736-8228
chris@gibbinsurance.ca

Controlling Pests in Your Home

Controlling Pests in Your Home Gibb Insurance Brokers AmherstburgEven the cleanest homes can have problems with insects and rodents. Being proactive with pests can prevent costly problems and improve the enjoyment of your home.

Here are some tips to help keep your home pest free:

  • Clean crumbs off counter-tops daily.
  • Don’t leave fruit or vegetables out.
  • Don’t leave dirty dishes in the sink or around your home.
  • Take the garbage outside daily and store it in a closed container.
  • Rinse out recyclables.
  • Inspect house plants for signs of infestation.
  • Wash out your pet’s dishes and water bowls daily.
  • Treat your pets with flea and tick products.
  • Regularly clean behind your kitchen appliances. Remember to clean out the food trap in your dishwasher as well.
  • Sweep and vacuum floors regularly and empty your vacuum canister regularly as it can become a breeding ground for pests.
  • Inspect vents and pipes for signs of infestation.
  • Repair window screens.
  • Seal cracks and crevices around doors and windows.
  • Keep woodpiles away from your home.

If you decide to use chemicals to treat your pest problems, be sure it’s not toxic to people, pets and plants, or if you’re feeling by pests in your home, call a licensed exterminator or pest removal company.

Farm Equipment Road Safety Reminders

Farm Equipment Road Safety Essex CountyIt’s that time of year when all across Essex County farm equipment is being moved from farm to field to plow, sow and fertilize. When approaching farm equipment, it’s important to be alert, slow down and keep your distance. Here are some reminders:

  • Be aware of farm equipment when negotiating hills, corners and blind spots.
  • Be careful in the early morning or late evening hours as not all farm equipment is equipped with adequate lights, and they might be difficult to see.

Farm Equipment Road Safety Essex CountyBe extra careful when passing farm equipment:

  • Before passing look for indicators – Sometimes tractors aren’t equipped with turn signals, so check to see if the farmer is using his arm to signal his intention to turn.
  • It can be difficult to see around tractors and hard to judge the speed of oncoming vehicles – It’s best to err on the side of caution and wait until the passing lane is completely clear.
  • Check the shoulder in the distance – Often farm equipment is wider than one lane and they travel on the shoulder – often having to move for hydro poles, narrow bridges or soft shoulders, which may cause them to move slightly into the passing lane.
  • Check your review mirror before passing – If you’ve already slowed down behind a tractor, you need to ensure that a car is not speeding up behind you with the intention to pass you both.

Most of all – be patient. Sometimes the operator is not able to move over. Farmer’s jobs are important, necessary and an essential component to life in Essex County.

Fraud Prevention Month

Insurance Fraud Types and PreventionsMarch is Fraud Prevention Month in Canada. According to the Canadian Coalition Against Insurance Fraud (CCAIF), general insurance fraud costs Canadian insurers $1.3 billion every year.

What does that mean to you? It’s estimated that 10 – 15% of your home, auto or business insurance premiums are due to fraudulent insurance claims.

Types of insurance fraud:

  • Staged accidents – This is a particular problem in larger cities, where a collision is staged to look like the victim’s fault. Often the damage is exaggerated and the person who stages the accident works in conjunction with fraudulent auto body shops.
  • Exaggerated claims – People who take advantage of a recent break-in and embellish upon the items stolen. We’ve all heard stories of people getting new golf clubs and leather jackets when their car was broken into!
  • Incorrect information – This fraud occurs when people purposely provide insurance companies with false information for the benefit of paying lower insurance premiums. Example: using a country cottage address for auto insurance purposes rather than their actual full-time city address.
  • Medical and rehab clinic fraud – Clinics may offer patients unnecessary treatments or request patients to sign blank forms for accident benefits.
  • The sale of stolen cars – Criminals will manipulate the Vehicle Identification Number (VIN) to hide the fact that it was stolen, and then sell it cheaply to an unsuspecting consumer.

Don’t be a victim of insurance fraud

  • Always report car accidents to your insurer and the police.
  • Never sign blank forms at a medical or rehabilitation clinic.
  • Always deal with respectable collision and auto body companies.
  • Purchase vehicles from a reputable dealership.
  • Be wary of people posing as insurance brokers, offering incredibly low premiums – with payments requested via an email transfer.
  • If you feel that you are being encouraged to manipulate or exaggerate your insurance claim by your insurance broker, report them immediately to the Insurance Bureau of Canada (IBC).

The government and insurance companies are stepping up the fight against insurance fraud and you can help. The IBC runs a toll free tip line, 24/7 – 1-877-222-TIPS, or confidentially online here.

In the end, insurance fraud costs us all, do your part to prevent it.

Icicles May Be a Sign of Potential Damage to Your Home

Icicles may be a sign of ice dams Many times icicles form as a result of an ice dam on your roofline. Ice dams occur when the snow on your roof melts and refreezes, creating a buildup of ice in your eave troughs and along the edge of your roof.

These dams can be problematic and damaging to your home and may result in:

  • Damaging or loosening of shingles
  • Deforming or damaging to eave troughs
  • Rotting the roof’s plywood
  • Leaking into the attic
  • Damage to insulation and drywall which may cause mold

To help eliminate the possibility of ice dams in the future, thus protecting your home from damage, be sure that your home’s attic is properly ventilated. The colder the attic, the less likely the warm air will cause snow to melt and refreeze into ice dams.

To help prevent future ice damming:

  • Be sure the attic floor is well insulated to keep the home’s warm air in the home.
  • Check that the attic access is well sealed.
  • Ensure that your home’s exhaust fans are venting outside and not into the attic.
  • Examine flashing around your home’s vents and chimneys for signs of cracks or separation.
  • If the ice damming occurs around a heat source, such as lightening, consider moving the lighting or refraining from using it when there is snow on your roof’s edge.

Take note of ice dam locations now and remedy the cause in the spring. A little preventative maintenance can help protect your home against many potential problems, saving you time and money!

Save Money This New Year

Save-money-on-auto-and-home-insurance-Gibb-Insurance-Brokers-Amherstburg-If spending less money and saving more money is one of your New Year resolutions, we can help!

Why pay more than you have to for your home, auto or other insurance? We can find the coverage you need at the best price for you – and it’s easy – just 2 steps:

1. Look up your renewal date on your home and car insurance policies.
2. Email us your name, phone number and renewal dates.

We’ll contact you before your next renewal, get the most up to date information from you and find the premium and coverage that works best. With access to more than 15 of Canada’s top insurance companies, Gibb Insurance has the ability to ‘shop’ the market for you to ensure you receive the competitive price you deserve without sacrificing the coverage you require.

Please email us at chris@gibbinsurance.ca 

Daytime Break and Enters in Amherstburg

Photo credit - policecanada.org

Photo credit – policecanada.org

This is a release from the Amherstburg Police Service –

November 3, 2014 – Day Break and Enters

The Amherstburg Police Service is currently investigating an increase of Daytime Break and Enters. The B&E’s have occurred in different areas throughout the community.

It is believed that the suspects are of Eastern European descent and may be both males and females working together. The suspect(s) will drive around the neighborhood in a newer model vehicle casing the area looking for the opportunity to break into a residence. The suspect(s) are looking for the following opportunities;

• Day light hours
• Open Garage Door or Front Door
• Victim in yard doing yard work
• Victim just leaving residence
• Suspect may approach door with pamphlets

Amherstburg Police are asking residence to report any suspicious activity to police, which may include;
• Vehicles driving up and down the street several times
• Vehicles parked on road for extended periods of time with occupants in vehicle
• People going door to door with pamphlets
• Any suspicious person(s) walking up and down street or standing in one location for extended times

Anyone with information is asked to contact the Amherstburg Police Service at 519-736-3622 or Windsor/Essex Crime Stoppers at 519-258-8477.

Contact: Sr. Cst Shawn McCurdy 114
Media Relations Officer
519-736-2252 Ext 318

Tips to Avoid Wind Damage

High Wind Damage Windor Essex Amherstburg LeamingtonHigh winds can result in serious damage to your home and property.

Here are few tips to help you secure your home and avoid loss and destruction.

  • Inspect your roof, eaves, fascia and attic for signs of wear and have a professional repair any problem areas.
  • Regularly prune and maintain trees and shrubs around your home. Falling branches account for a lot of damage during storms with high winds.
  • If severe storms with high winds are predicted, be sure to secure or store any items that may blow about and cause damage, including: patio furniture, barbecues, trampolines, decorative items, hot tub covers, pool toys, garden composts, garbage cans and recycling bins.
  • Ensure that pergolas, canopies, garden and storage sheds are properly anchored and secured.

If you’ve had wind damage to your home and are thinking you need to make an insurance claim, please read this helpful article or call us at 519-736-8228.