Call (306) 693-7640 ☰ ˟
Client Login My SGI
Logo
Call
(306) 693-7640
  • Home
  • About
    • About Us
    • Privacy Policy
    • Refer a Friend
    • Testimonials
    • Terms & Conditions
  • Insurance Services
    • Automobile
    • Business
    • Commercial Auto
    • Contractors
    • Disability
    • General Liability
    • Homeowners
    • Life
    • Trucking
    • Tenants
  • Instant Quote
    • Annuities
    • Automobile
    • Business
    • Commercial Auto
    • Condo
    • Contractors
    • Critical Illness
    • Disability
    • Employee Benefits
    • General Liability
    • Group Pension
    • Health & Dental
    • Homeowners
    • Life
    • Non-Medical
    • Renter/Tenant
    • Trucking
  • Clickable Coverage
  • Free Newsletter
  • Blog
  • Ask The Expert
  • Contact
    • Contact Us
    • Join Our Team
    • Location
Home Insurance Auto Insurance Business Insurance Trucking Insurance
Home > Blog > Snow Removal: What you need to know
THURSDAY, JANUARY 6, 2022

Snow Removal: What you need to know

Snow is an inevitable part of Canadian winters. It is important to keep your driveway and walkways clear to avoid any unnecessary injuries to yourself or others visiting your property. You may not be sure why it is important, what the rules are and whether slip-and-falls on icy sidewalks are covered by home insurance.

What is liability insurance?

Liability insurance is an important part of your home insurance and every policy needs to have it. Liability insurance covers the costs associated with injuries sustained by others while on your property. It will not cover any expenses you, the homeowner, incur through injury on your property.

Are you liable if someone is injured on an icy walkway on your property?

Determining liability in the case of a slip-and-fall is not always black and white and depends on factors like whether you shoveled the walk within the time allowed by your bylaws. Other circumstances, like water flowing from your property and freezing on the sidewalk, can also make you liable.

Even if your home liability insurance would end up covering a slip-and-fall, it is best to clear all walkways from snow and ice and prevent it from happening in the first place.

Are there laws about shoveling the snow?

Each municipality has its own bylaws about snow removal and requires the homeowner to shovel the snow often within 24 – 48 hours of it falling. Please refer to your local regulations to learn more.

Are tenants responsible for snow removal?

Rental contracts may specify that a tenant is responsible for snow removal but it must be clear when and where on the property the snow needs to be removed. If the tenant fails to take care of snow removal it becomes the landlord’s responsibility.

Tips for de-icing your sidewalk

• Always shovel as quickly as possible.
• If there is ice you cannot remove, put down de-icer to help soften the ice and then try again.
• After you have cleared the sidewalk of ice as much as possible, sprinkle sand or gravel on it to provide traction.
• Be careful about what kind of de-icer you buy, use it sparingly, and make sure it is environmentally friendly and pet-safe.

What should you do if someone falls on your sidewalk?

• Help the injured person get medical treatment.
• Take photos of where the accident happened, including photos of the footwear the person who fell was wearing if possible.
• Record the time and date, witness contact information and what happened.
• Report it to your home insurance provider along with any steps you took to prevent it.
    Do not admit liability and let your insurer take care of communicating with the injured person.

Give us a call to find out more about extra liability insurance.
Posted 1:53 PM

Tags: snow, removal, property, home, safety
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011
  • 2010

  • insurance(425)
  • heritage insurance(408)
  • moose jaw(309)
  • saskatchewan(286)
  • ask the expert(223)
  • greg marcyniuk(222)
  • safety(202)
  • customer service(180)
  • information(178)
  • personal(178)
  • full service(175)
  • tips(149)
  • business(134)
  • coverage(133)
  • community(129)
  • sask vehicle registration(110)
  • home insurance(106)
  • protection(76)
  • auto insurance(64)
  • car insurance(57)
  • home(50)
  • business insurance(50)
  • life insurance(49)
  • regina(44)
  • winter(37)
  • house(32)
  • auto(32)
  • driving(30)
  • car(26)
  • summer(24)
  • policy(24)
  • liability(23)
  • prevention(23)
  • moose jaw insurance(21)
  • advice(20)
  • trucking insurance(19)
  • snow(19)
  • family(19)
  • homeowners(17)
  • accident(16)
  • weather(15)
  • vehicle(15)
  • moose jaw sk insurance(15)
  • claims(14)
  • russ macdonald(14)
  • spring(14)
  • commercial(13)
  • seasonal(13)
  • ice(13)
  • children(12)

View Mobile Version
App Download
Download our Mobile App Today
Logo
LinkedIn Facebook Twitter YouTube Google+
Site Links
Home
About Us
Refer A Friend
Free Newsletter Testimonials
Blog
Ask The Expert
Contact
Privacy Policy
Terms & Conditions
Heritage Insurance Ltd., Insurance Services Office, Moose Jaw, SK
Heritage Insurance Ltd
© Copyright 2021. All rights reserved. Powered by Insurance Website Builder.