EXCITING NEWS FOR CONTRAST INSURANCEIn late September Matt Davison of Contrast Insurance accepted a seat on the Board of Directors for the Insurance Brokers Association of Nova Scotia. The Broker Association of NS (often referred to as "IBANS" for efficiency) is celebrating it's 70th Anniversary this year and we're honored and excited to help the association meet and exceeds its goals. What is IBANS? 'IBANS' is the Broker Association specifically for NOVA SCOTIA. There's also 'IBANB' (NEW BRUNSWICK) 'IBAN' (NEWFOUNDLAND) 'IBAO' (ONTARIO) and the list goes on. Each province has specific issues and legislation to deal with, so they have their own regional associations all of which roll up under the NATIONAL BROKER ASSOCIATION 'IBAC' - The Broker Association of CANADA. While you may not be too familiar with IBAC it's likely you've seen their TRADEMARK BIPPER LOGO around. Last year he underwent a very Barry Bonds like transformation. Don't believe me? You be the judge. Here's a BEFORE and AFTER: Setting the jokes and baseball aside IBAC is doing a great job laying out the benefits of buying coverage through a broker and promoting the #BrokerAdvantage. Here's one of their ad spots from their recent 'BEFORE THE QUOTE' campaign: We're really excited and proud to be a part of the IBANS team, and look forward to helping in any way we can.
Thanks for reading. -Matt D
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Property Claims are on the rise.
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- MD

What is it?
This can cause your roof and ceilings to leak damaging your home’s interior walls and insulation,among other issues.
Check out the video below on how it happens.
Damages can usually be minimized if actions are taken quickly, and could save you from needing to make a claim on what could be a minor repair.
Discuss the situation with a knowledgeable broker and decide what next steps are really needed.
A Claim for this won't get you a new roof.
1. Drying out the wet areas.
2. Repainting the ceiling/walls that were affected.
In some cases the actual damages are limited to drying the wet insulation/drywall and a water ring when it dries. Obviously it's not always this easy, but sometimes it is.
'Ice and Watershield'
Sometimes a building owner will discover their structure never had 'Ice and Watershield' at all, leaving it more susceptible to this kind of damage.
While this shouldn't affect their ability to make a claim, it isn't something the insurer will pay to have installed if you didn't have it before.
Get Some Advice
Some SPECIFICALLY EXCLUDE "damages from Ice Damming" and some policies may only pay a percentage of the cost of replacement shingles based on how old your current ones are.
Get yourself some real advice about what you HAVE and do it BEFORE you have an issue.
Feel better about what you're paying for.
- MD
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