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This Saskatchewan summer has been hot and wet, with heavy rains comes the need to ensure your home is draining water properly. 
Here is all you need to know about gutters and downspouts to make sure you are ready for the rain. 
Gutters are designed to catch the water from your roof and carry it towards your downspouts for proper drainage. If your gutters are plugged with leaves and debris, water can build up and not be allowed to drain which can cause issues. Checking your gutters yearly and removing any debris helps get the water to the downspouts and moved away from your home.
While checking your gutters, check the slope of your gutters to ensure they have the proper slope. If gutters are not appropriately sloped towards the downspout water will have trouble flowly freely. 
 It is also essential to check the length of your downspouts as water can pool near the base of your home and cause flooding and foundation damage is too short. The recommended length of the downspout from the house should be six to 8 feet. 
There are a few options when it comes to extending your downspout, make sure to chose the one that will suit your needs but also move the water properly. 
1. Purchase a new length of the existing downspout that will give you the proper range and install
downspout into gutter
2. If the area you need to lengthen is a high traffic area, you might consider attaching a hinged elbow to the gutter. The extension can be placed up when not raining and down when the rain arrives. Ensure when traveling or away from your home for a long duration of time that you ensure the extensions are down. 
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3. Attach a flex-a-spout, they are great for extending the drainage and also can be pushed and pulled apart to extent the length to your exact needs. 
 flex a spout downspouts 85019 64 1000
Some of these items can be done quickly but as always make sure to stay safe and call in a professional when necessary.
Happy draining from all your friends at My Mutual Insurance. 

Moto Saftey My Mutual

Motorcycles are a fun way to explore Saskatchewan and feel the warmth after a long winter. We want you to stay safe on the roads so keep these tips in mind as you hit the road. 

Check your bike before every ride. 

Performing a visual and physical inspection of your bike prior to every ride will ensure your bike is safe to hit the road. 

  • check your tires for cracks, punctures and overall tread life
  • look at the engine and underneath the bike for gas or oil leaks
  • test your lights, turn signals & brakes
  • test your horn
  • ensure your mirrors are adjusted properly 

Protective gear

While it may be tempting to wear just a vest & helmet during the summer, wearing the proper riding gear can save your life. Gear every rider should consider include a full shield helmet, motorcycle jacket & pants, boots and gloves. Research the gear you buy to make sure it meets safety standards and choose colors that are easy for motorist to see. 

Weather factors.

Weather plays a large factor in riding safety, so monitor your local weather forecast when you are planning to hit the road. Rain can reduce visibility & also make roads slick for motorcycle tires. 

Look after your ride.

Proper maintenance for your motorcycle is vital, make sure to follow your user manual for maintenance. Routine maintenance such as oil changes, brake pads or chain adjustment allows your motorcycle to function properly and helps avoid breakdowns or even accidents. 

Rules matter. 

While simple to say, sometimes it can be easy to get caught up in the excitement & forget about the rules of the road. Make sure to signal, stop at lights and turns and drive at safe speeds. 

Considering a package policy for your motorcycle this season? Find a local broker near you who can help you find the right coverage. 

 Share these tips with a friend or a loved one who rides a motorcycle.


Mutual Ins My Mutual

What is a mutual insurance company? Mutual insurance dates back to 1852 in Lower Canada when a group of local farmers decided to pool their funds to protect their properties mutually. 
We felt the best to explain mutual insurance is to compare it to a private/public insurance company.
   Private/Public Insurance  Mutual Insurance
 Owners  Stockholders  Policyholders
 Strategic Focus  $$ for Stockholders  Equity for Policyholders
 Voice for Policyholders  Short Term Profits Long Term Stability
My Mutual Insurance began itself in 1894 when a group of local farmers came together in Waldheim to start a mutual insurance company to serve the community and surrounding area.
Why does mutual insurance align so well with Saskatchewan values? Saskatchewan is known for its amazing people who look after one another and their communities, through volunteer work, charitable giving, and overall willingness to help our neighbors.
Mutual Insurance originated from this concept almost 167 years ago. Mutual insurance, in its most basic form, is people helping people. 

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Flying brooms aren't just for the Potters anymore, with Procter & Gamble releasing the first-ever flying broom to the market for consumer purchase. 
Don't worry; My Mutual Insurance has the perfect coverage to get you up and flying in no time.
Come Fly With Me Package: $1,000 Deductible
$20,000 Coverage Plan Includes:
Please note coverage does not include coverage for fire.
Happy flying from all your friends at My Mutual Insurance.

Ice Damming Saskatchewan

With the temperatures rising, it’s that time of the year when many homes experience ice build-up and ice damming. 
Every year homeowners suffer water damage to their homes as the result of ice build up. To prevent any ice damming issues, remove the first 3’ of snow from your roof and in the eaves troughs to allow the warm sun to melt any ice and to warm the roofing materials. 
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While it is not advised that you go onto your roof to remove excess snow as it can be dangerous. Your local supply shop should carry an extension roof rake which can help get the job done safely. 
By removing this snow, it will help to ensure that no ice penetrates under the roofing material causing it to enter homes causing water damage. 
Addressing any ice now will likely prevent damage to your home in the future.  
If you need help with ice accumulations contact a professional restoration company for assistance. Important to note as well that not all policies carry ice damming coverage so make sure to contact your local broker to review your coverage. 

You’re more than a policyholder, you have a voice. Let it be heard!

Contact our team, find a broker, become a part of the My Mutual family.