Water damage represents approximately 40% of all eligible home insurance claims, and costs the Canadian insurance industry just under $2 billion annually. While most home insurance covers water damage, there are two significant situations excluded in a standard policy: flood and seepage. A flood, according to the Insurance Bureau of Canada, is defined as water flowing overland and entering your home through windows, doors and cracks.
Ratha Sapthami Kolam - Courtesy : www.hindu-blog.com On this auspicious day, women put rangoli with a representation of Sun God with 7 horses in a chariot. Eurkkam Leaf (Arka Leaf) is an another important aspect in this day.
The 14th (elsewhere known as Naraka Chaturdashi in South India and Choti Diwali in the North) is celebrated as Kali Choudas. The 15th (new moon day) is Lakshmi Puja, celebrated throughout India. The next day, the first day of Shukla Paksha of Kartik, is Bestu Varsh, New Year's Day, start of the Gujarati calendar.