SPRING 2021 GEORGIAN BAY CHAPTER - OIAA Georgian Bay
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GEORGIAN BAY CHAPTER
SPRING 2021
RESPOND. RESTORE. RESCUE.
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Table of Contents
Executive Officers 2020 - 2021..................................2
President’s Message.................................................3
March is National Kidney Month.............................4 On Our Cover
Spring Cleaning Checklist.......................................5 "To New Beginnings!"
Bylaws Adopted by the OIAA...................................6
Slate of Officers.........................................................7
March Monthly Webinar...........................................9
Hackers; what they really care about...................10 /
GEORGIAN BAY CHAPTER
SPRING 2021
Fun Facts about the Easter Bunny.........................11
What is your Leprechaun name?..........................13
Auto Rates Increasing............................................14
Spring Recipes........................................................18
Is it time to ease up on video calls?......................20
The Funnies.............................................................22
April Monthly Webinar............................................24
Fun Facts about Mother's Day...............................25
Advertisers..............................................................28
FIRST DAY
SUNDAY
MARCH 20, 2021
Spring Issue 2021 GEORGIAN BAY CHAPTER 1
www.oiaagb.com
Executive Officers for 2020 - 2021
PRESIDENT NEWSLETTER EDITOR
Teresa Mitchell (705) 719-3306 Kayla Guy (705) 719-3309
Crawford & Company teresa.mitchell@crawco.ca Crawford & Company kayla.guy@crawco.ca
VICE PRESIDENT NEWSLETTER LAYOUT AND DESIGN
Greg Doerr (705) 719-7983 Carol Jeannotte (705) 543-2621
Doerr Claims Services greg@doerrclaims.com Freelance Designer grafix32@hotmail.com
SECRETARY
Kayla Guy (705) 719-3309
Crawford & Company kayla.guy@crawco.ca
TREASURER OIAA
Mary Charman
Crawford & Company
(705) 719-3301
mary.charman@crawco.ca
Committees
CHAPTER DELEGATE CHRISTMAS DINNER & DANCE
Joe Cumming (705) 712-1503 Kristin Dusome (705) 549-9994
The Cooperators Insurance joe_cumming@cooperators.ca
NEWSLETTER
DIRECTORS Kayla Guy (705) 719-3309
Patti O'Leary (705) 712-1504 GOLF TOURNAMENT
The Cooperators Insurance patti_oleary@cooperators.ca
Greg Doerr (705) 719-7983
Trevor Walker (705) 229-4469
SOCIAL DIRECTORS
Kristin Dusome (705) 549-9994 CURLING TOURNAMENT
Winmar Property Restoration kristindusome@winmar.ca Joe Cumming (705) 712-1503
Crystal Graveson (705) 712-0133 Rob Rennie (705) 792-6000
On Side Restoration cgraveson@onside.ca SKI DAY
Kim Graveson (705) 739-8996 Greg Doerr (705) 719-7983
Winmar Property Restoration kimgraveson@winmar.ca
WEBSITE
Randy Henderson (416) 491-2525
Arcon Forensic Engineers randy.henderson@arconforensics.com Randy Henderson (416) 491-2525
Rob Rennie (705) 792-6000 HOCKEY TOURNAMENT
Royston Restorations rob@theroystongroup.ca Greg Doerr (705) 719-7983
Trevor Walker (705) 229-4469
Sheri Turner (705) 795-6270
Edjuster sturner@e-djuster.ca MEMBERSHIP•ADVERTISING
Trevor Walker (705) 229-4469 Kayla Guy (705) 719-3309
Belfor Property Restoration trevor.walker@ca.belfor.com Teresa Mitchell (705) 719-3306
PAST PRESIDENT
Sheri Turner (705) 795-6270
Edjuster sturner@e-djuster.ca
2 GEORGIAN BAY CHAPTER Spring Issue 2021
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President’s Message
I believe I heard a collective “sigh”
when we all said goodbye to 2020,
with the hope that 2021 will bring us
back to some semblance of normal.
And although the first 3 months
have been anything but “normal”,
there is still good out there!
Where I live, the local families made
4 ice rinks on the bay, which are
constantly used every day. I quite enjoy sitting out on my balcony
to watch the games of shinny, or the small kids learning to skate.
Mother Nature has given us some interesting winter weather, from rain, sleet, freezing rain,
and blowing snow. But she has also given us some spectacular views that calm the soul.
By the time this newsletter goes to print, the majority of the
seniors in long-term care and retirement homes will have
been fully vaccinated, and the vaccine roll-out is speeding
up for the public-at-large.
I hope all of you reviewed the recent e-blast of March 2, 2021
regarding supporting the United Way Simcoe Muskoka’s
Urgent Needs Fund through their #HopeMoves Campaign.
This charity has been one of my choices of charity during
my tenure as President; this campaign will assist those
individuals in desperate need during this pandemic, and is the last event for me as OIAA
Georgian Bay President.Thank you for your generosity with this charity during my 3-year term.
As we are unable to hold an in-person meeting for our Past Presidents Night & Elections
in May as a result of the pandemic, elections will still proceed on May 13, 2021. Further
information regarding the Proposed Slate of Officers for the 2021-2023 term along with the
Election Rules & Bylaws are in this newsletter for your review. Please consider becoming a
member of the Executive, either in the role of an adjuster, or as a social member director.
I wish you and yours the best over the coming months and
stay safe. And if you’re tired of winter, you can always get
creative!
Regards,
"Do more things that make you forget to check your phone."
~ Unknown
Spring Issue 2021 GEORGIAN BAY CHAPTER 3
www.oiaagb.com
4 GEORGIAN BAY CHAPTER Spring Issue 2021
www.oiaagb.com
2021 Save the Date
APRIL MAY JUNE
OIAA - April Webinar OIAA Elections
(Business Interruption Claims & Covid-19) May 13, 2021 Next Issue - Mid June
April 15, 2021 - (pg 24 for details) (pg 7 for details)
SPRING CLEANING
CHECKLIST
Tips Start with the All Rooms
task list frst
Finish an entire room before
moving on to the next
Clean your home top to bottom
and left to right
All Rooms Kitchen Home Ofce
Dust ceiling fans and Wipe down microwave, Clean keyboard with canned air
light fxtures cofeemaker and other small Disinfect computer mouse
Clean windowsills and appliances and phone
window tracts Empty the crumb tray in your
Vacuum curtains and
window blinds
toaster and / or toaster oven
Empty refrigerator and
Outdoors
Wipe down shoe molding defrost freezer Remove everything from your
and dust room corners Clean your oven and scrub the garage and reorganize
for cobwebs stovetop / range Pressure wash your deck and
Test batteries in all your Clear out cabinets and outdoor furniture
smoke detectors wash shelves Hose-out your garbage can
Disinfect door knobs, Sanitize the sink and clean the and recycling bins
cabinet handles and inner rim of your sink guard Remove screens and wash with
light switches Clean refrigerator shelves a soapy sponge and water
Clean behind and beneath Wash the outside of your
Bathrooms refrigerator windows before replacing
your window screens
Bedrooms
Organize cabinets and drawers
Properly dispose of old
medicine and toiletries Organize drawers and closets
Scrub the shower and bathtub Wash bedding and pillows
Wash shower curtain and Rotate mattress
foormat Disinfect kids’ toys
Scrub the toilet and tile
around it
Laundry Room
Living Room Clean behind washer and dryer
Remove furniture cushions and Thoroughly clean lint trap in
vacuum crevasses dryer and washer
Spring Issue 2021 GEORGIAN BAY CHAPTER 5
www.oiaagb.com
Bylaws: Adopted by the OIAA
GEORGIAN BAY PURSUANT TO OIAA CONSTITUTION ARTICLE 7
1. These by-laws are the laws governing the Georgian Bay Chapter of the Insurance Adjusters
Association.
2. The geographical location of the Georgian Bay Chapter spans central Ontario from the shores of
Lake Simcoe and Georgian Bay, from the Blue Mountains to Muskoka and south to Dufferin and York
Counties.
3. The Georgian Bay Chapter adopts the OIAA Constitution as written and will adhere to its guiding
principles, ethics and not for profit status, with the exceptions listed in the by-laws below:
4. MEMBERSHIP
a. OIAA members: as defined in the OIAA Constitution, located in the geographical area, are
members of the GBC automatically, unless an alternate location is listed by the individual member.
b. The GBC is permitted to have “social members”. Social Members shall be defined as non-OIAA
members who are employed in an industry with a connection to claims adjusting, but not members
as defined by the OIAA constitution. Decision to accept or reject a “social member” rest with the
executive of the chapter. “Social Members” will pay a membership fee of $40.00 to the GBC. “Social
Members” have no voting rights within the chapter, nor are they party to financial information of the
Chapter or the OIAA. The “social members” can be removed from the membership with a majority
vote of the chapter executive. “Social Members” will adhere to the governing principals and code of
ethics as written in the OIAA Constitution.
c. Honorary lifetime members - The Chapter executive may appoint any OIAA member as Honorary
Lifetime member of our chapter.
5. EXECUTIVE
The Chapter executive shall consist of an elected President, Vice President, Treasurer, Secretary and
no more than six (6) OIAA members as Executive Directors as well as a Newsletter Editor and Chapter
Delegate. These must be active members as defined by Article 3(a) in the OIAA Constitution. In
addition, the Georgian Bay Chapter will have no more than six (6) Social Directors, with non-voting
standing as voted in and approved by the executive members. The immediate Past President will have
a vote.
a. Elections shall be held every two years in the month of May. Candidates must be an active member
in good standing with the Georgian Bay Chapter. Nominations will be accepted by the sitting
secretary. Nominations may be accepted from the floor on the day of the election, with the exceptions
of the Treasurer, who must have over 1 year experience on the chapter executive. The member who
captures the majority of eligible votes obtains the position. Eligible voters are current, active OIAA
adjuster members in good standing. Voting shall be by secret ballot, and the presiding officer shall be
the immediate Past President for the Chapter, or in the alternative a Past President of the Chapter. The
Past President shall cast the deciding vote in the event of a tie.
6. DISSOLUTION
The Chapter executive and 50% of the chapter designated OIAA Members can vote to dissolve the
chapter. All funds of the chapter will revert to the Provincial OIAA to be distributed to its remaining
chapters fro use by its members. Membership in the local chapter will revert to the Toronto area or an
alternate chapter of the individual member’s choice. No funds will be distributed to “social members.”
7. DISCIPLINE
All discipline matters pertaining to OIAA members, must be referred to the Provincial Executive for
consultation. All social members discipline must be investigated and resolved by the local Chapter
executive. If a “social member” must be expelled or refused membership, it will take place after a 3.4
majority vote of the current sitting executive.
8 FIDUCIARY RESPONSIBILITY
The Chapter agrees that it must govern itself financially in the best interest of the OIAA and the
Chapter. Each year it will file the appropriate taxes with the Canada Revenue Agency. It will not
contractually obligate the OIAA in any manner, for any reason without the express written permission
of the OIAA.
6 GEORGIAN BAY CHAPTER Spring Issue 2021
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Slate of Officers
Due to the ongoing restrictions with the covid-19 pandemic, there will be no in-person meeting in May
2021 for Past Presidents Night or Elections. However, on May 13, 2021, OIAA Georgian Bay Chapter will
be holding their Elections for the Senior Executive for the 2-year term of 2021-2023.
The Proposed Slate of Officers for the 2021-2023 Senior Executive are:
PRESIDENT
Greg Doerr
Doerr Claims Services
VICE PRESIDENT
Mary Charman
Crawford & Company
SECRETARY
Position Open
TREASURER
Kayla Guy
Crawford & Company
CHAPTER DELEGATE
Joe Cumming
The Cooperators Insurance
Should any adjuster within the Georgian Bay Chapter who is a member of the Ontario Insurance
Adjusters Association be interested in running for any of the above Senior Executive positions, they
require a minimum of two years’ prior experience on the Executive of any OIAA Chapter.
Those adjusters wishing to run for a position on the OIAA Georgian Bay Chapter Senior Executive and
meet the 2-year prior experience criteria, please forward your name to current President Teresa Mitchell
at teresa.mitchell@crawco.ca.
Should anyone wish to nominate an adjuster for a position on the OIAA Georgian Bay Chapter Senior
Executive and they meet the 2-year prior experience criteria, please forward your nomination to current
President Teresa Mitchell at teresa.mitchell@crawco.ca.
Nominations for the Senior Executive positions must be received no later than May 1, 2021, in order to
be vetted for confirmation of the required criteria, and to arrange for voting by Adjuster Members.
Should there be no nominations received by May 1, 2021, the Proposed Slate of Officers will be
acclaimed on May 13, 2021.
Should any adjuster wish to join the Executive as a Director, you are not required to have prior Executive
experience, and can join the Executive at any time to assist in providing value-added to our Members.
Our Chapter needs your help; please consider becoming a Director, to bring your new and fresh ideas
to the table.
Regards,
Spring Issue 2021 GEORGIAN BAY CHAPTER 7
www.oiaagb.com
GARBUTT
CONSTRUCTION HIGHLAND
705.428.5417
8 GEORGIAN BAY CHAPTER Spring Issue 2021
www.oiaagb.comMarch Monthly Webinar
Spring Issue 2021 GEORGIAN BAY CHAPTER 9
www.oiaagb.comHackers; what they really care about...
Businesses falling victim to cyberattacks often don’t realize
that the value of data they store is not what’s important to
hackers, it’s the value of the data to the company, Crawford
& Company (Canada) said in a recent whitepaper.
“It doesn’t matter that you don’t store personal information,”
said Neal Jardine, cyber practice leader at Crawford Canada.
“It’s not about the data that you store: you are a business that
makes money using data and that makes you a target.
“What people don’t realize is that it’s not the value of the
data to the hackers that matters — it’s the value of the data
to you. What you would pay to get that data back.”
In the past, ransom attacks were the most common type of cyberattack, noted the report, Lessons
from a Front Line Cyber Adjuster. But now hackers are using phishing (i.e. sending a fraudulent
email, masked as a trustworthy one, that attempts to obtain sensitive information like usernames,
passwords, and credit card details) and psychological tactics to breach computer systems.
“Hackers used to be more disengaged and used a ‘spray and prey’ approach with ransomware to
extort their victim and commit crimes,” Jardine states in the paper.“But now criminals are targeting
employees in influential roles within a company to commit more complex attacks, leading to
higher payouts. Through phishing, threat actors can harvest login credentials. Once they have
those credentials, they can use them to socially engineer wire transfer fraud events on clients,
employees and customers of the insured.”
Examples like these are becoming more common, cyberattacks are growing in number, and the
average cost of an attack is increasing, the paper notes. In 2018, the average cost of an event
ranged from $44,000 to $162,000 for medium-sized companies (50 to 249 employees) and large
companies (250 to 999 employees), respectively, Crawford Canada reported. In 2019, that figure
rose drastically to the range of $184,000 to $715,000 for medium-sized and large companies,
respectively.
Cyberattacks are becoming more frequent; so much so that criminals are running it like a business,
Jardine said. Attackers are developing software so that they can they sell their crimes as a service.
Assessing cyber risk goes beyond looking at the price tag of a security breach, Jardine says. “If
a breach happens, the aftershock will permeate the whole business. The risk has to be treated
seriously at the boardroom level and throughout the organization because, when a breach
happens, it will have a ripple effect throughout the company.”
Companies’ risk managers have to understand the intricacies of their cyber insurance policy,
Jardine says. The cyber insurance landscape is in flux, and coverage continues to evolve.
“Historically, cyber coverage was built out of the need for business interruption during the ‘dot-
com’ era. Now we are seeing coverage expand to include supply chain interruption and the new
attack vectors of threat actors. Eventually, we are likely to see coverage turn to an all-risk product
subject to exclusion — but the industry is not quite there yet.”
Excerpt taken from Canadian Underwriters online - by Jason Contant, March 6, 2021
10 GEORGIAN BAY CHAPTER Spring Issue 2021
www.oiaagb.comSpring Issue 2021 GEORGIAN BAY CHAPTER 11
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12 GEORGIAN BAY CHAPTER Spring Issue 2021
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Spring Issue 2021 GEORGIAN BAY CHAPTER 13
www.oiaagb.comAuto Rates Increasing
Why auto rates are increasing despite fewer
drivers on the road?
Average auto insurance rates rose in Canada
during the second half of 2020 despite the
COVID-19 pandemic and lockdowns that led
to fewer drivers on the road, a new report from
LowestRates.ca found.
The average auto insurance premium climbed
by about 30% in Alberta, 17% in Atlantic Canada
and 4% in Ontario over the course of 2020
(2020 Q4 versus 2019 Q4), according to data
collected by the comparison site for home and
auto insurance, and other financial products.
Price increases were due to the fact that more
inexperienced drivers have been hitting the
roads since the pandemic began. “More young adults, who might have eschewed car
ownership pre-pandemic, are applying for car insurance quotes amid concerns about taking
public transit,” said LowestRates.ca’s latest Auto Insurance Price Index, released Wednesday.
The index is created from hundred of thousands of insurance quotes the site receives every
year.
There is a trend of former public transit users now opting for vehicles as concerns about health
and safety remain.“But while new drivers pushed prices higher, we also saw many drivers save
money as they switched from commuting to work daily to working from home,” the report said.
There is also a large increase in the number of drivers aged 50 and over that are no longer
commuting to work, “which has enabled them to find substantial savings.”
Of the regions examined, Alberta saw the largest average price increases — 29.5% in 2020
Q4 compared to 2019 Q4. “Unfortunately for drivers in Alberta, auto insurance prices in the
province have been on a relentless upward tear since last year,” the report said.
Prices have risen since a cap on insurance rate hikes was removed in 2019, when Premier
Jason Kenney was elected. “Insurance companies had long complained that the cap, which
limited annual rate hikes on consumers to 5% meant they lost money selling insurance in
Alberta,” said the report, noting that auto insurance prices have risen by 36% since the cap
was removed in the third quarter of 2019.
LowestRates.ca CEO Justin Thouin said drivers can expect to see prices to continue to rise until
more insurers return to the Alberta market and make it more competitive. For Alberta, one of
the biggest shifts was that fewer adults in the prime working years shopped for auto insurance
as COVID-19 cases grew. “We’re hearing from brokers in Alberta that drivers between 25 and
49 are staying with their current providers because insurance is hard to get.”
Atlantic Canada (New Brunswick, Nova Scotia, Prince Edward Island, and Newfoundland and
Labrador) is facing some of the same challenges as Alberta. For example, in New Brunswick,
insurance companies have said they are either restricting new business or thinking about
pulling out due to caps on what they can charge drivers. And like much of the rest of Canada,
LowestRates.ca saw an increase in the number of new drivers from Atlantic Canada that
14 GEORGIAN BAY CHAPTER Spring Issue 2021
www.oiaagb.comAuto Rates Increasing (Cont'd)
quoted on the comparison site in the last quarter.
In Ontario, prices were 4.1% higher in the last quarter of 2020 than they were one year prior.
“Our data show that Ontarians are increasingly trading in their public transit passes for a
set of car keys — even if it means paying some of the highest car insurance premiums in
Canada,” said the report. “Year-over-year, the number of inexperienced drivers shopping on
our site increased by 2.9% (Q3) and 8.7% (Q4).”
Inexperienced drivers are those with less than four years of driving experience.
Since the start of the pandemic, the comparison site also saw an increase in the number of
older drivers who quote with very low mileages, and who do not drive to work.“The distribution
of users aged 50+ with personal-use vehicles who said they drove zero kilometres to work
increased from 28.6% in 2019 Q4 to 35.9% in 2020 Q4,” LowestRates.ca said.“As a result of lower
average mileage and fewer drivers using their car to get to work, average prices for drivers
aged 50 and over fell by 8% in the fourth quarter on our site.”
The reduction in traffic has led to few claims and might even lead to lower prices down the
road, but it will take some time, said LowestRates.ca’s chief operating officer, Dave Dyer. “The
question is, will any recent drop in traffic and any decline in accidents remain for the long
term? That is less certain, and insurers won’t price that in until they have certainty.”
Excerpt taken from Canadian Underwriters online - by Jason Contant, March 6, 2021
Spring Issue 2021 GEORGIAN BAY CHAPTER 15
www.oiaagb.com16 GEORGIAN BAY CHAPTER Spring Issue 2021
www.oiaagb.comclaims@relectronic-remech.ca
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Spring Issue 2021 GEORGIAN BAY CHAPTER 17
www.oiaagb.comSpring Recipes
strawberry goat cheese bruschetta
The way the tangy goat cheese works with the balsamic coated strawberries is a thing of beauty!
Ingredients
• 1/2 cup balsamic vinegar • 2 tsp fresh thyme leaves,
• 12 slices Italian bread plus more for serving
• 1 tbsp olive oil • 1 cup goat cheese
• 1 lb strawberries, washed & diced • salt & freshly ground pepper
Directions
1. Heat vinegar in a small skillet over medium-low heat. Simmer until reduced by about half, 8 to 10
minutes. Remove from heat and allow to cool to room temperature.
2. Prepare a grill for high heat. Place bread slices on a foil-lined baking sheet and drizzle with olive oil.
3. Combine strawberries and thyme in a small bowl and set aside.
4. Grill bread on the preheated grill until browned, about 3 minutes per side.
5. Spread goat cheese on toasted bread. Add black pepper, salt, and reduced vinegar to the strawberry
mixture. Spoon over the goat cheese topped bruschetta. Garnish with additional thyme.
asparagus quiche
A delectable combination of ingredients that result in a tasty quiche dish.
Ingredients
• 1 lb fresh asparagus, trimmed • 1 1/2 cups half and half cream
and cut into 1/2" pieces • 1/4 tsp ground nutmeg
• 10 slices bacon • salt and pepper to taste
• 2 (8 inch) unbaked pie shells • 2 cups shredded Swiss
• 1 egg white, lightly beaten cheese
• 4 large eggs
Directions
1. Preheat oven to 400 degrees F (200 degrees C). Place asparagus in a steamer over 1 inch of boiling
water, and cover. Cook until tender but still firm, about 2 to 6 minutes. Drain and cool.
2. Place bacon in a large, deep skillet. Cook over medium high heat until evenly brown. Drain, crumble
and set aside.
3. Brush pie shells with beaten egg white. Sprinkle crumbled bacon and chopped asparagus into pie shells.
4. In a bowl, beat together eggs, cream, nutmeg, salt and pepper. Sprinkle Swiss cheese over bacon and
asparagus. Pour egg mixture on top of cheese.
5. Bake uncovered in preheated oven until firm, about 35 to 40 minutes. Let cool to room temperature
before serving.
18 GEORGIAN BAY CHAPTER Spring Issue 2021
www.oiaagb.comSpring Recipes (Cont’d)
RHUBARB STRAWBERRY CRUNCH
Ever wonder what to do with that big rhubarb plant in the garden? This is your answer!
Ingredients
• 1 cup white sugar
• 3 tbsp all purpose flour
• 3 cups sliced fresh strawberries
• 3 cups diced rhubarb
• 1 1/2 cups all purpose flour
• 1 cup packed brown sugar
• 1 cup butter
Directions
1. Preheat oven to 375 degrees F (190 degrees C).
2. In a large bowl, mix white sugar, 3 tablespoons flour, strawberries, and rhubarb. Place the mixture
in a 9x13 inch baking dish.
3. Mix 1 1/2 cups flour, brown sugar, butter, and oats until crumbly. You may want to use a pastry
blender for this. Crumble on top of the rhubarb and strawberry mixture.
4. Bake 45 minutes in the preheated oven, or until crisp and lightly browned.
Spring Issue 2021 GEORGIAN BAY CHAPTER 19
www.oiaagb.comIs it time to ease up on Video Calls?
New research shows the influx of video calls brought
about by the COVID-19 pandemic is tiring people
out.
“Zoom” has become a verb to describe video-
conference meetings, said professor Jeremy
Bailenson, founding director of the Stanford Virtual
Human Interaction Lab. Brokers unable to meet with
clients in person have turned to “zooming” with them
instead.
On the plus side, Zoom has allowed brokers to
meet with many more clients during the day on a
video screen than they could in person prior to the
pandemic.
“Brokers are seeing massive efficiency gains from simply replacing in-person meetings with video
conferencing software,” Nick Novinger, Quebec regional manager at Canadian Insurance Brokers,
wrote in the December 2020/January 2021 issue of Canadian Underwriter. “A broker that used to see
four or five clients a day in-person can now see 10 or more online in the same amount of time, thanks
to reduced travel times.”
The increased efficiency is leading individual brokers in top-tier commercial insurance brokerages
to shatter sales records, according to senior brokerage executives who spoke as panellists during
Canadian Underwriter’s February 2021 webinar, Brokerage Executive Outlook.
But all this screen time may be having a negative effect for those taking part in the video call, according
to the report, Nonverbal Overload: A Theoretical Argument for the Causes of Zoom Fatigue, authored
by Bailenson.
His research highlights four consequences of prolonged videoconferencing, which contribute to what
he termed “Zoom fatigue.”
They are: Excessive amounts of close-up eye gaze; Cognitive load; Increased self-evaluation from
staring at video of oneself and Constraints on physical mobility.
When it comes to the eyes, not only is eye contact close, it’s intense. The size of the screen, for example,
is unnatural. Furthermore, in a normal meeting, people don’t always stare at the speaker. They can look
away and keep their eyes moving.
“It is quite rare for one listener to stare at another listener, and even rarer for this non-speaker-directed
gaze to last for the duration of a meeting,” Bailenson wrote. But in a video conference, both the speaker
and listener are staring straight at the screen most, if not all, of the time.
When it came to cognitive load, people are used to picking up nonverbal cues from other people;
not to mention giving them on their own. Because these cues can’t be picked up, people are working
harder to send those signals.
“Users are forced to consciously monitor nonverbal behaviour and to send cues to others that are
intentionally generated,” Bailenson wrote. “Examples include centring oneself in the camera’s field of
view, nodding in an exaggerated way for a few extra seconds to signal agreement, or looking directly
into the camera (as opposed to the faces on the screen) to try and make direct eye contact when
speaking. This constant monitoring of behaviour adds up.”
20 GEORGIAN BAY CHAPTER Spring Issue 2021
www.oiaagb.comIs it Time to ease up on Video Calls? (Cont'd)
Because people are constantly seeing themselves on video, they’re evaluating themselves. That’s
fatiguing, Bailenson wrote.
“Imagine in the physical workplace, for the entirety of an eight-hour workday, an assistant followed you
around with a handheld mirror, and for every single task you did, and every conversation you had, they
made sure you could see your own face in that mirror. This sounds ridiculous, but in essence this is what
happens on Zoom calls,” he wrote.
Finally, since people are videoconferencing, there’s a lack of mobility. In a video call, people are forced
to stay in the same spot.
“During face-to-face meetings, people move,” Bailenson wrote.“They pace, stand up, and stretch, doodle
on a notepad, get up to use a chalkboard, even walk over to the water cooler to refill their glass.”
Some possible solutions to the challenges include:
Don’t use full-screen mode. Shrink windows. Use an external keyboard to create more space between
yourself and the screen if using a laptop.
Turn off your camera and go into audio-only mode for a period of time to give yourself a chance to
stretch and move around during longer calls. This helps with mobility and lowering the cognitive load.
Hide self-view. You don’t need to see yourself. Change the setting so that you can’t see your video but
it’s still beaming to everyone else
Excerpt taken from Canadian Underwriters online - by Adam Malik, March 4, 2021
EMPLOYMENT CONSTRUCTION
AND ESTATES LAW
DEPARTMENT DEPARTMENT
Estate Litigation and Construction Law
Employment Law including
including wrongful Construction Lien
dismissal Claims
Jeffery Beleskey David Thompson
Personal Injury, Subrogation,
Construction Law Litigation,
Employment and Estate Litigation
109 Ferris Lane
Barrie, Ontario Tel: (705) 722-4400 ext. 236 Tel: (705) 722-4400 ext. 231
Email: Email:
Tel: (705) 722-4400 jbeleskey@chcbarristers.com dthompson@chcbarristers.com
**in practice since 2010 **in practice since 2008
www.chcbarristers.com
Spring Issue 2021 GEORGIAN BAY CHAPTER 21
www.oiaagb.comThe Funnies
22 GEORGIAN BAY CHAPTER Spring Issue 2021
www.oiaagb.comThe Funnies (Cont’d)
Spring Issue 2021 GEORGIAN BAY CHAPTER 23
www.oiaagb.comApril Monthly Webinar
Monthly Webinar Series – April Edition
Business Interruption Claims & Covid-19
Presented by: Stephen Dodd, Director, Crawford Forensic Accounting
Date: April 15, 2020 10am
Member Cost: Free
Non-Member Cost: $50.00
To Register visit: www.oiaa.com today!
Stephen Dodd, Director at Crawford Forensic Accounting Services, has
working in a forensic accounting role since 2013. He has been engaged in a
wide variety of assignments over the years including economic damage
quantification, business interruptions & loss of earnings, stock and contents
losses, and extra expense calculations among others. He also has experience
working on catastrophe claims and has handled files resulting from
everything including Hurricanes to the Fort McMurray Wildfire. Stephen
obtained his Masters of Business Administration from Wilfrid Laurier, and is a
Chartered Professional Accountant and Certified Management Accountant.
24 GEORGIAN BAY CHAPTER Spring Issue 2021
www.oiaagb.comFun Facts: Mother’s Day – May 10
History – How It All Started
Celebrating Mom With…
Flowers—12,661 The number of florist stores
•The first Mother’s Day was nationwide in 2017.
organized by Anna Jarvis on A Special Card— 21,467 The number of employees
May 10, 1908, in Grafton, West of greeting-card publishers in 2017.
Virginia, and Philadelphia, Perfume— 17,153 The number of cosmetics, beauty
Pennsylvania. supplies, and perfume stores nationwide in 2017. Perfume is
• It was such a success across a popular gift given on Mother’s Day.
the country that Jarvis asked A Piece of Jewelry— 21,300 The The number of jewelry
Congress to set aside a day to stores in the United States in 2017—the place to purchase necklaces,
honor mothers. earrings, and other timeless pieces for mom.
• In 1914, Congress made the second
Sunday in May Mother’s Day!
MOM is the same backward and forward.
Turned upside down, she is WOW!
First-Time Mothers
Snapshot of mothers who were
aged 15 and over in 2014: When
Number of Children did they first become a mom?
Schooling Mom Out of every 10 women age 15 to 50, approximately... • 22% – Under age 20
More than 3 out of 10 (34.8%) The percentage of women age 4 out of 10 (44%) have no children • 37% – Age 20-24
15 to 50 giving birth in the past year who had a bachelor’s degree or higher. • 24% – Age 25-29
2 out of 10 (17%) have one child
Almost 9 out of 10 (88.4%) The percentage of women giving birth • 12% – Age 30-34
in the last past year who had completed high school or higher. 2 out of 10 (22%) have two children
Note: This is affected by the specific age profile of this group. Not all of the women are old enough to 2 out 10 (17%) have three or • 4% – Age 35-39
have completed high school or college. more children • 1% – Age 40 and over
Sources: Data on this page come from the U.S. Census Bureau’s 2018 American Community Survey 1-Year Estimates, 2017 County Business Patterns, and 2014 Survey of Income and Program Participation, Fertility Research Brief.
CENSUS.GOV/SCHOOLS
ServiceMaster of ServiceMaster of ServiceMaster of ServiceMaster of
Midland & Orillia Barrie & Collingwood Muskoka & Parry Sound Grey-Bruce
P.O. Box 704 1497 SnowValley Rd. P.O. Box 2792 318610 Grey Rd. 1
425 Cranston Cres. Midhurst, ON 35 E.P. Lee Drive Owen Sound, ON N4K 5N4
Midland, ON L4R 4P4 Bracebridge, ON P1L 1W5
Mailing Address:
P.O. Box 20102
147 Forestview Rd. RPO Bayfield North
Orillia, ON L3V 6H1 Barrie, ON L4M 6E9
Tel: 888-248-9404 Tel: 705-722-5870 Tel: 800-361-8814 Tel: 519-372-2206
Email: Email: Email: Email:
claims@servicemastermo.com servicemasterbarrie@bellnet.ca admin@servicemasterofmuskoka.com claims.greybruce@svmrestore.ca
Spring Issue 2021 GEORGIAN BAY CHAPTER 25
www.oiaagb.comC
D S DOERR
92 Caplan Ave.
CLAIMS SERVICES INC.
517 10th Street
Suite 114 Upper Level Unit 2
Barrie, ON L4n 9J2 HAnover, ON N4N 1R4
t (705) 719-7983 t (519) 506-7983
F (866) 577-5140 | doerrclaims.com
St. Patrick's Day
Wednesday March 17, 2021
26 GEORGIAN BAY CHAPTER Spring Issue 2021
www.oiaagb.comON YOUR SIDE, WITH UNPARALLELED SERVICE
We’re On Side Restoration. We’ve been expertly restoring damaged homes and businesses
in Canada since 1979. Over 1,200 of the most well trained, most qualified service personnel
in the industry are employed at On Side, with 500 Technician and Trade Level Certifications
among them. With over 10,000 pieces of specialty restoration equipment, and more than 670
emergency response vehicles from coast to coast, we deliver the most efficient and highly-
skilled restoration service in Canada. 24/7, every single day of the year.
Services Include:
� Fire, Flood & Wind Damage
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� Residential Restoration
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Barrie / Bracebridge
220 Bayview Drive, Units 27-28
1-888-663 6604
Barrie, ON P: 705-712-0133
Service area includes: Alliston, Angus, Aurora, Barrie, Bracebridge, Bradford, Collingwood,
Georgina, Gravenhurst, Gwillimbury, Innisfil, Keswick, Midland, Newmarket, Orillia,
Penetanguishene, and Wasaga Beach.
Spring Issue 2021 GEORGIAN BAY CHAPTER 27
www.oiaagb.comAdvertisers
Carroll Heyd Chown LLP
Doerr Claims Services Inc. Newsletter Editor
Foley Restoration - DKI
Garbutt Construction - DKI
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Restorations/Renovations by Rodgers
Royston Restorations If you see any articles that strike your interest or
ServPro of Barrie have a suggestion as to what you would like to
Service Master see in this newsletter, please email your thoughts
Thomson Adjusters and ideas to Kayla Guy at kayla.guy@crawco.ca
Winmar Barrie/Orillia/Georgian Bay/Muskoka
Happy Mother's Day
Sunday May 9, 2021
SUNDAY APRIL 4, 2021
28 GEORGIAN BAY CHAPTER Spring Issue 2021
www.oiaagb.comWE ARE THE GEORGIAN BAY
CHAPTER OF THE
4008550
ONTARIO INSURANCE
ADJUSTERS ASSOCIATIONS
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