Water damage is on the rise – is your home protected?

(NC) In recent years, water damage from flooding has become increasingly common across Canada. In fact, the Insurance Bureau of Canada says that water damage accounts for nearly half of all insurance claims, and the frequency and cost of these claims has risen dramatically in recent years.  

Some of this increase in property water damage is due to climate change, with strong storms becoming more frequent and lasting longer. Infrastructure in many areas is old or inadequate and unable to handle the volume of water associated with these new storms as well as flash floods or snowmelt.  

Sewer backups are also occurring more often, both with old systems and with newer ones that are designed to handle both rain and sewer water. Faulty plumbing is another factor that can contribute to water damage, especially in aging, poorly constructed or poorly designed buildings. 

Despite these concerns, a poll from the Insurance Bureau of Canada revealed that more than a quarter of people don’t know if their property insurance policies cover flooding, while another 45 per cent only “think” they do. Not knowing whether you have coverage for water damage can be costly.   

Fortunately, according to Aviva Canada, one of Canada’s largest insurance providers, there are things you can do to help protect your property: 

  • Perform regular maintenance on plumbing systems, including sanitary lines and hot water tanks. Have water and sewer lines scoped to reveal damage from tree roots. Test shut-off valves to ensure they will work in an emergency. 
  • Pay attention to your building envelope. Roof leaks are one of the most common causes of water damage, especially in areas that are prone to freezing weather, strong winds and hail. So, it’s important to maintain the condition of your roof and clear your downspouts and drains of obstructions. Caulk your windows to ensure an adequate seal, and make sure grading slopes away from your premises. 
  • Is your water hard or soft? Depending on where you live, the quality of water can affect your appliances and plumbing systems, causing them to deteriorate much more quickly. Water softeners are available for hard water areas, but you could consider using a softener for soft water areas too, as soft water can lead to corrosion of copper piping. 
  • Technology can monitor and even reduce issues related to fluctuations in building temperature. Water detection and shut-off systems can prevent damage from burst pipes due to freezing or leaking of your hot water tank. Installing these systems can help eliminate or reduce loss to your property,  particularly when you’re not there. 

Talk to your insurance broker about what level of water damage your current homeowner’s insurance covers and what additional insurance you might need. Find one in your area today at 


For Sale - 21212 58 AVE in Edmonton

I have listed a property at 21212 58 AVE in Edmonton.

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Welcome to this beautiful, well-maintained home in a family-friendly Hamptons neighbourhood. Before you even walk in, you'll spot the great curb appeal with flower bed and a charming front porch. Inside, there's a flexible front den, perfect as an office, music room, library or whatever else you can imagine. The kitchen is well-appointed with corner pantry, plenty of cupboard and cabinet space, a large peninsula eating bar and it's open to the dining room/living room. The spacious dining room is perfect for entertaining family and friends. Step down into the cozy living room with large picture windows looking out to yard. From here you can access the massive 20' x 14' deck, back yard and double garage. Upstairs is 3 bedrooms, 2 full bathrooms (including ensuite) and a convenient laundry room. The master bedroom also has a fantastic walk-in closet with custom closet organizers. The basement includes bathroom rough-in and is ready for your finishing touch. Don't miss this incredible opportunity.


For Sale - 304 17011 67 AVE in Edmonton

I have listed a property at 304 17011 67 AVE in Edmonton.

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Welcome to this great, 3rd floor, apartment condo, FRESHLY PAINTED and featuring BRAND NEW VINYL PLANK FLOORING throughout the living room/dining room. The living room features a COZY FIREPLACE and sliding glass patio doors to the LARGE BALCONY The fully-equipped kitchen opens to the living room with a RAISED EATING BAR and a full dining room space. The spacious master bedroom has a walk-through closet to the 4-PIECE ENSUITE BATHROOM There is also a spacious second bedroom and second full bath. Ceramic tile flooring in the front entry, kitchen, laundry room and both bathrooms. A LARGE STORAGE ROOM contains the IN-SUITE LAUNDRY. And the unit comes with not one, but TWO UNDERGROUND PARKING STALLS This well-maintained complex keeps you close to amenities including public transit, schools, parks, rec centre, grocery, banks, restaurants and much more. Quick access to Whitemud, Anthony Henday, West Edmonton Mall, YMCA. A well-lit parkade helps ensure safety. Features: - Two Heated, Underground Parking Stalls - Two Building Elevators - Video Security - Garbage Chute Appliances: Fridge, Stove, Microwave Hood Fan, Built-in Dishwasher, Washer, Dryer Included in Rent: Heat, Water/Sewer, Two Underground Parking Stalls Building Amenities: Elevators, On-site Management, Secured Key Fob Access, Wheelchair Accessible Interior: Two Full Bathrooms (including Ensuite), Vinyl Plank/Tile/Carpet, Electric Fireplace, Storage/Laundry Room, Window Coverings Other: - Visitor Parking available for guests - No pets, no smoking - Security Deposit equal to one month's rent - Available immediately. - $1200/month ($50/m less) rent if only one parking stall is required.


Managing your finances during tough times

(NC) Understanding how to manage your money and budget better is important for financial health, especially during uncertain economic conditions. Each person’s situation is unique and requires a personalized approach, but with education and confidence, financial planning can become a less arduous task.

According to the TD Financial Health Index, a national benchmarking survey providing a portrait of Canadians' financial well-being, women tend to have lower “financial health” than men – particularly among younger groups. Women received an average financial health score of 64 – lower than the average score for all Canadians. 

Regardless of financial management experience, taking small, thoughtful and actionable steps towards building your wealth management skills can help improve your financial profile in any circumstance.

Here are some resources to consider:

  1. Read, review and reevaluate. Empowering yourself with the right resources can better equip you to make stronger decisions for your financial future. Online tools, like the TD Direct Investing Learning Centre, can walk you through the different types of investments, account types, risks and investment plans, and teach you how the market works before you get started.
  2. Build your financial confidence. Ensure you are actively participating in the financial planning process. When learning how to build or elevate your investments, also take time to learn the language and increase your financial awareness. Knowing the basics can enable a better understanding of your investment options and strengthen your self-assurance in direct investing.
  3. Create a virtual community. Learning from other personal and professional experiences can generate investment ideas, give you inspiration for your portfolio, and keep your investment goals on track. Participating in webinars, interactive sessions and master classes through the TD Direct Investing Learning Centre is a great way to build your skills and knowledge.

For Sale - 401 10147 112 ST in Edmonton

I have listed a property at 401 10147 112 ST in Edmonton.
Use the link below for more information and to book a showing.
Welcome to “Gates on Twelfth” and this fourth floor unit located in the heart of Oliver. An open concept, modern, loft-style, two bedroom, two bathroom unit with 10 ft ceilings throughout. Spacious island kitchen is great for entertaining with black appliances, plenty of counter and cabinet space, tiled backsplash and raised island bar. Huge, nearly floor-to-ceiling windows let in tons of natural light and add to the upscale feel. A spacious west-facing balcony looks over 112th street below and includes a gas line for your BBQ. Extra storage in the furnace room just off the balcony as well as a caged storage locker in front of your heated, underground, titled parking stall. In-suite laundry. The location is ideal with plenty of upscale restaurants, shopping and amenities just steps away. Walk to the Ice District, Grandin LRT, Save on Foods, City Centre and the river valley. Don’t miss this opportunity.

For Sale - 431 10023 110 ST in Edmonton

I have listed a property at 431 10023 110 ST in Edmonton.
Use the link below for more information and to book a showing.
Enjoy living in the heart of Edmonton in this trendy, spacious, 2-bed, 2-bath unit situated on a beautiful, tree-lined street in a prime Oliver location. Inside, you’ll find a great kitchen space with plenty of cabinet and counter space and raised eating bar. Large windows steam lots of light into the open-concept living space. Easy-clean laminate floor throughout the main living area and the living room features a corner fireplace with mantle. There’s a dining room space here, too, for entertaining. Great view from your balcony with gas BBQ hookup. You can see a panoramic view of 109 St but with plenty of space so you’re not looking right into your neighbours or another building. Enjoy the convenience of two tandem, heated, underground parking stalls with a handy caged storage locker in front. Easy access to trails, bike lanes, walking paths, LRT and public transportation. The downtown core, U of A, Grant MacEwan and NAIT are all within easy walking or commuting distance. Don’t miss this opportunity.

For Sale - 10856 173 AVE in Edmonton

I have listed a property at 10856 173 AVE in Edmonton.
Use the link below for more information and to book a showing.
Welcome to this great, affordable, home in the self-managed complex of Castle Ridge with very low condo fees of only $150 per month; among the lowest condo fees in Edmonton. Offering two bedrooms upstairs and a third in the basement with two bathrooms, a spacious front family room with large picture window, upstairs living/dining room with hardwood floors, and kitchen with plenty of counter and cabinet space and access to the large 10'x10' deck and back yard. Outside there is room to park two cars (tandem) as well as a large deck and yard and two storage sheds. Shingles were recently redone. Upgraded vinyl windows. Programmable smart Ecobee thermostat. Renovated bathrooms. Basement is fully-finished with 2-piece bath, open rec room, bedroom and office/den. Great location, nestled in a nice community, on a quiet cul-de-sac with no through traffic and beautiful mature trees. This could be the perfect family starter home or ideal for the renter looking for their first home. Don’t miss this opportunity.

I have sold a property at 9730 143 ST in Edmonton

I have sold a property at 9730 143 ST in Edmonton.
Wow! This gorgeous home in Crestwood is situated on a quiet street with great curb appeal. Walking in, the entrance opens to the spacious living room with gas fireplace, Brazilian hardwood and coved ceiling. The separate dining area allows room for entertaining family and guests and the spectacular kitchen is truly a must-see; Canadian-made AyA custom cabinetry, quartz countertops, tile floors, exposed brick, gas fireplace, dramatic display shelves and an iconic Sub-Zero glass door fridge/freezer. Two bedrooms with refinished original hardwood and a renovated full bathroom complete the main floor. Downstairs, you’ll find a professionally-finished basement complete with cozy family room, two more bedrooms, another full bath & laundry room. Outside, the treed back yard is a calm retreat. You’ll forget you’re in the city. Two garages. Plenty of upgrades throughout: A/C, vinyl windows, hardwood, kitchen, gas fireplace and so much more than there is space to fit in here. Don’t miss this fantastic opportunity.
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