The year 2012 has been different to say the least, thus far. Usually about now, Winnipeggers would be decked out in four layers and turning the temperature in our homes up to 23 degrees just to try to stay warm as we battled temperatures in to the negative 30s. This year, however, we're seeing temperatures flirting with that seemingly impossible + sign and are showing no signs of plummeting into the usual Febrrrrary temperatures (we hope!). Of course, these conditions lead to a number of questions that could be floating in your mind right now, such as:

• With all the ice building up from melting and freezing, am I liable if someone has an accident on my property?
• I know we haven't had much snowfall, but my house may still be at risk for flooding. Am I covered for it?
• With the small snowfall we've decided to go south of the border for our cross-country ski weekend this year. Am I covered in Colorado?

Here's the good news - answers to all of your questions are just a phone call or mouse click away. All you have to do is call one of our branches in Winnipeg - 339-2048 or 334-4373 - or click the Live Chat button at the top of this page to be connected to a Team Insurance expert. And if an emergency ever comes up, remember that we have a 24-hour help line - 339-2048. Soon, spring will be here, so enjoy the rest of the winter. We look forward to speaking with you soon.