Prática de Shadowing: Top 10 Tips to Keeping Strata Insurance Premiums Low (Vancouver, BC) - Aprenda a falar inglês com vídeo

Escolha um modo de prática

Cada modo abre uma sala de prática em tela cheia.

464 frases

Se as frases estiverem muito curtas ou longas, clique em Edit para ajustá-las.

okay welcome everyone today's topic is going to be the top 10 tips for keeping your strata insurance premiums low

or i should just call it as low as possible you all know

that strata doesn't really you know the insurance doesn't seem to

although it's dipped a little bit in the last couple of

years it doesn't really seem to go uh too far backwards it always kind of goes up, but it is really important.

It is generally for most strategies going to be your number one expense item and, uh, anything that you can do to,

uh, you know, still replace, still keep it at full replacement costs, but to keep it as low as possible is a very good thing.

Um, so that's the topic for today.

We're going to have about a 15 to probably about a 15 minute presentation

and then if you guys have any questions maybe I'd ask just save them to the end

and you can fire away we're going to leave you know

45 minutes for Q &A doesn't have to be pertaining to

what we're talking about today the strata insurance it can be about anything strata related

if you guys have more private stuff

that you don't want to maybe share with the group in the context then we can, you know, take that offline and that's just fine too.

So I'm going to get things going here. So who am I?

My name is Chris Stepchuk.

I'm the CEO and managing broker for Fort Park Property Management and Real Estate.

Of course, you guys all know that.

And what we do, we guide strata councils with clarity, confidence, and care, specializing in strata management,

residential, commercial, and light industrial since 2008.

One thing we like to say, effective strata management isn't just about maintaining properties, it's about building trust through clear communication,

proactive solutions, and consistent support.

So let's get into the meat and potatoes of it, the top 10 tips, and then we're going to throw in a bonus one there at the end as well.

So first one is your depreciation report.

So insurance companies have always kind of asked for these.

It depends on the exact insurer and it depends on the situation with your particular strata.

But now that they're going to be mandatory, they're going to be asking for these a lot more because before you could just say, well, we don't have one.

But that's going to be very difficult to do moving forward.

If you don't have one, then it raises red flags.

Why don't you have one when they're now mandatory?

So it may look like you're trying to hide something if you don't get one.

So of course, everyone here in the lower mainland needs to have one by the end of July of next year.

And it's just a good planning tool for you regardless.

Next thing is your roof maintenance.

So insurance companies really don't like water ingress a lot of them won't pay for for water ingress claims

if it's due to a lack of maintenance or things like

that they'll deny the claim

so you don't want to ever be in a situation where you're not able to have a claim

if you do get a significant amount of damage

so keep on top of your roof maintenance have it done you know every year at least every couple years.

Get someone up there for peace of mind, you know, just making sure there's no pooling water, making sure there's no clogged drains or anything like that.

No leaks, you know, it needs to be re -caulked

and the flashings and the cappings and all that stuff need to be re -caulked every few years.

So you can get a report on that and you can supply

that to your insurance company and make sure then they will know that you guys are right on top of, of that.

And when I say roof maintenance, you know, roofs are typically where we see a lot of water ingress and damage,

but that can be windows and other things as well.

It doesn't have to be just for the roof, right?

Any kind, anything, you know, whether it's your membrane or windows or doors, anything where there's a ceiling and they can, they can potentially water can get in.

Number three is update your bylaws.

So we've got a number of bylaws that I've seen over time and the strata insurers do ask periodically about these things.

They don't always, but sometimes they do.

And they'll ask things like, is smoking allowed inside the suites or in common property um you know

if you don't allow smoking there's a lesser chance of fire of course

a lot of the fires are started by someone smoking and

and you know ashing in the garbage can or just on a couch

or something like that uh no barbecues on patios

or balconies i'm not saying you have to have that bylaw

but again that's something that they sometimes ask for um regular replacement schedule for hot water tanks

so do you have a bylaw

that says people need to get their hot water tank replaced every 10 years uh

if there are in sweet hot water tanks those things can cause a huge amount of damage uh

if they rust out in the bottom and um

and they they're not near a drain

and we've seen you know just there's a lot of water in there

and it can go down two or three floors

and cause a lot of damage not just to the suite that it happens in but to the suites below

use of stainless uh braided hoses so this is another one

that you can have a bylaw or at least a rule um

or sorry you can't have a rule it'd have to be a bylaw

because it's it's a straddle lot thing uh making people change from those rubber hoses that crack

and do leak uh to stainless steel braided hoses for the washing machine uh ban on short -term rentals

so this is something that they're sometimes asking about um we haven't seen

that a lot but i have seen it come up every now

and again you know if the if the strata is being used more as a hotel type use than a

than a typical long -term residence they are interested in

that uh and garburetors is another one garburetors can cause a lot of damage for backups sewer backups

and we see some stratas put in bylaws saying that when they do eventually fail,

that they have to be replaced with just conventional piping, no garburetors.

Number four is sprinklers.

So this is another huge area that we see claims on.

If a sprinkler goes off, it can be related to fire, but not necessarily.

Someone can just break the thing and it goes off

or it's defective we had one yesterday in one of our buildings it's actually a new building

and the sprinkler there was some malfunction

and it caused a huge amount of damage

so it doesn't take long for sprinklers to cause a lot of damage

so get them checked regularly

if they're getting older maybe they need to be changed out it is expensive to do

but they should be part of your annual um fire inspection

which leads me into uh number five which is fire inspection

so this is a good one um of course i'm sure

most of you get an annual fire inspection done this is

fire part of the the fire code depending on the municipality you're in

um both in suite common property fire extinguishers hoses smoke detectors sprinkler heads fire hydrants

and backup batteries things like that so if there was a fire

and of course you're going to have when there's a catastrophic loss from fire you've got a lot of parties involved

and doing inspections and things like that

100

and figuring out the cause of the fire and

101

if it's due to faulty equipment because you didn't do your fire inspection

102

um there may be the potential for your claim not to be honored which would be absolutely horrible

103

uh number six is obtain three quotes so even

104

if you've been with the same insurance company for for many

105

years um that's fine you can stick with them it's like you can change around

106

but it never hurts to obtain competitive quotes uh just keeps everyone honest and you know like I said,

107

for most buildings, this is going to be your number one expense item.

108

So going out there, getting a couple extra quotes isn't going to hurt.

109

It is a little bit of extra work, but it's, you know, if you get a 10 % reduction in a, on a hundred thousand dollar insurance premium, that's a significant amount of money.

110

And rates are, you know, there's more like five years ago, you couldn't really do that.

111

You were lucky just to get one quote

112

and you were lucky just to get insurance

113

but the market has softened up quite a bit now um

114

as the prices have gone up it's more profitable for the insurers to be doing property insurance again

115

so you may get some competitive quotes now uh deductibles

116

so this is something you can play around with a little bit um

117

and we've done that before where we've had buildings that have increased their their deductibles uh particularly water,

118

and that can bring your premium down.

119

It doesn't always make a huge difference, but it can definitely make a difference.

120

So something worth looking at if you're trying to reduce your premium, maybe you take your water deductible from $25 ,000 to $100 ,000.

121

It does create potential for other issues, and the owners would probably want to make sure that you get their buy -in to do something like that,

122

but it can save you guys some money, a significant amount.

123

uh earthquake deductible so this is another thing uh falls in the deductible category

124

so you can manipulate your um earthquake deductible usually with most

125

insurance companies from the standard uh 10 you can go to 15

126

or even 20 you can even reduce it a little bit

127

which isn't going to help your premium but um that's something

128

that you can play around with uh

129

if you're trying to get your premiums down

130

and you can even do it for one year you don't have to do it on a on a

131

you know annual basis you can maybe do it for one year if you're trying to save a little bit

132

electrical so this is something that is obviously insurance companies are looking at

133

you want to make sure that your electrical system is is in top tip -top shape

134

if it's an older thing it hasn't been inspected for a

135

while it might be worth if you've got some reasons to believe

136

that it might not pass certain inspections

137

if you've got anything like old aluminum wiring or knob

138

and tube or 60 amp boxes this is not going to go over well with the insurers

139

they may never even know that you have this

140

if they don't ask the question but if there was a claim

141

and then something happened you'd be darn sure that they could find out

142

and would find out so

143

if you think you've got any of those old um you know aluminum

144

or knob and tube is quite old you don't see

145

that much in any modern buildings

146

but we do see it from time to time our 60 amp boxes just make sure

147

that you guys are getting those upgraded

148

number 10 is plumbing so kind of like electrical this is something

149

that insurance companies will ask about from time to time they don't always

150

but again if you had an issue due to one of these systems then they may deny the claim

151

so uh you know we see copper copper piping can be a huge problem here um

152

if you haven't had it replaced

153

and you're getting pinhole leaks it might make sense to do

154

that it can be very expensive to um to redo the whole whole service line system in your building

155

but if you're continually having insurance claims

156

because of it then it's probably worth it you know it

157

can range from i don't know we've done lots of these

158

from 200 000 up to 500 thousand depends on the size

159

of your building uh any uh pecs uh you want to retrofit with pecs the plastic

160

and make sure you get rid of any poly b that's hanging around

161

and insurers definitely ask about poly b and they don't like it

162

and i know a lot of stratas still have that

163

in common areas as well as in suites

164

so it's a very good idea to get ahead of the curve don't wait for something to happen, get that replaced, and then you don't have to worry about it.

165

And the very last one that we've got for today is stay claims free.

166

So avoid the tendency to make claims whenever possible.

167

If it's, you know, around your deductible.

168

Sometimes it might be worth just paying it out of pocket rather than opening a claim.

169

Of course, if it exceeds your deductible, the damage by a significant amount, you don't really have a choice.

170

But if you have a judgment call to make and you think

171

that it might be easier just to pay for it yourselves, then that might be easier.

172

And then you don't have to worry about opening a claim

173

and then that goes on your record

174

and then every time you're trying to get a quote people are looking at

175

that so that's definitely something that I see stratas try to do

176

when they can and when it makes sense and and I think it's definitely worthwhile to try and do that

177

and so to summarize uh we've got depreciation report get it done uh roof maintenance make sure you're getting

178

that done on a on a If not an annual basis, get it done every couple of years, get a report done, update your bylaws to be insurance friendly,

179

sprinklers, get them maintained and get them inspected.

180

If they're getting to be that kind of, you know, they'll be identified in your deficiency and your depreciation report.

181

If they're starting to get to the end of their, of their service life, fire inspection, get it done every year,

182

obtain three quotes whenever it makes sense for your insurance look at your deductibles, see if you can put them up a little bit,

183

earthquake deductible, service your electrical and your plumbing, make sure they're up to date and everything looks good there.

184

Sometimes even on electrical and plumbing, the insurer, if they have any reason to believe there's something fishy, they may even ask for a report from a licensed contractor.

185

And then stay claims free.

186

I think that's one of the absolute biggest ones that we can say.

187

so that's um that's it for today for the presentation

188

and i'm going to open it up to any questions

189

that you guys might have again it doesn't have to be

190

specifically for this topic can be about anything uh anything at all yes

191

uh yeah okay uh i have a general one uh are

192

you going to send this uh powerpoint presentation to us i've been taking notes

193

but it uh can you forward this yes we will we'll also we'll send this

194

and we'll also send out a link uh to the video

195

so you guys can okay watch

196

that on our youtube channel okay my second question has to do with electrical

197

so we have a system throughout the entire entire building um

198

what responsibility is there as an uh an individual owner uh

199

around electrical stuff in my own unit um how do i know

200

if it's my responsibility or if it's a strata responsibility

201

if something goes wrong well you know usually the strata

202

because the electrical system is is tied into a system for the whole building we would usually say

203

that the strata would would take care of the um of the electrical type stuff now

204

if it's just a breaker or something simple maybe you can have the owners do

205

that themselves but i would generally guide most stratas that

206

that electrical is a um you know it is a it's

207

a an integrated component kind of like sprinkler systems right

208

if you look at sprinklers like a sprinkler head is in

209

your individual strata lot right it's within the boundaries of your strata lot but it's tied into the overall system

210

and therefore should be taken care of by the strata electrical is kind of the same

211

if you're using too much you only have

212

so much power to your whole building that's shared so

213

if you haven't upgraded it and then a bunch of people are using evs

214

and now your panel is blowing all the time

215

because you're building enough power then it has to be you

216

know it has to be a common property a strata solution rather than just one unit okay

217

and that's part of the reason

218

that the eprs are becoming are going to be mandatory for this upcoming year is just

219

so so that the strata kind of is in charge of

220

that and looking at you know if everyone's putting in heat pumps

221

or electric vehicle chargers

222

or rather than it just each individual doing something on their

223

own the whole the whole building is doing it yep thank you Raul how are you doing yeah hey good

224

I have a question about you were talking about the the

225

water tanks the hot water things um in the building you

226

know we have just uh two of them for the whole

227

building there's no individual ones in those cases we need to let the insurance know

228

that we don't have any in in the building except on the the underground parking

229

or yeah so so in the case where you have a boiler

230

and hot water tank system and and no individual hot water tanks

231

which is most most no i shouldn't say

232

but a lot of uh a lot of apartment style stratas have

233

that set up um you know that's really up to the strata corporation just to make sure

234

that that you guys are maintaining that

235

and you're you're doing the regular maintenance on it

236

and replacing them whenever they need to be replaced the insurance

237

company might ask about it uh i mean they're going to

238

see uh in the depreciation report they're going to see

239

if it's if it's past its serviceable life or not and they may ask you to replace it, but it's not as concerning if it's in the parkade.

240

um than it is

241

if it's on the fourth floor of a building where it's going to cause like major damage you know

242

if it if they go in a parkade we just had one actually

243

that happened in one of our buildings too

244

and it's you know it most of the water just went

245

into the drain it wasn't really major damage um okay

246

and sorry just a quick second question uh about the number 11

247

or the bonus one

248

that you were talking about stay claims free uh in our case of course

249

because we're mixed strata with the commercial and having

250

so many uh issues uh in that relationship

251

and having all this you know legal uh issues with with the commercial um

252

that we can't avoid staying free as in you know having to claim for you know lawyers guidance

253

and blah blah uh in those cases it's unavoidable i'm guessing yeah yeah it's not

254

so when i say stay place free it's only

255

if you can avoid opening a claim

256

and you know in your instance i don't think you really

257

have a choice there um in a lot of businesses maybe you have like a $25 ,000 water deductible

258

and the emergency restoration company comes in there

259

and says it's going to be $26 ,000 right um

260

so therefore you have to open a claim

261

and they're just trying to push it over that that limit um

262

so but maybe maybe it does it isn't over $26 ,000 maybe you can get

263

that down to $24 ,000 and and do the work yourselves

264

so it's only where it's very close um you know maybe

265

you need a second quote on the restoration company just to make sure

266

that you don't have to open a claim

267

because sometimes you just you know it's really close

268

and you just don't have to yeah okay thank you so much yep uh sonia

269

uh go ahead sonia i think you're muted oh you're on mute there oh yeah this is me

270

uh maybe i'll go to joan here hi there uh can you hear me Am I muted?

271

No. No, you're good.

272

You're on mute.

273

Okay.

274

Can you talk a little bit about the liability that's involved when you have water damage from an upstairs suite?

275

Because the rules, as I understand them, I don't agree with them.

276

But I think in most cases,

277

a lot of people who are responsible do pay for any damage that they caused just a week below.

278

But according to the notes with the insurance company,

279

it sounds like they don't have to do that. Am I misunderstanding it?

280

Well, this is a really, really tricky one.

281

I mean, we could have a probably a two hour webinar just on on who's at fault during water, water leaks and things like that.

282

And and it's a very complicated subject.

283

There's a lot of gray area and there's a lot of, you know, depends on the circumstances.

284

But generally speaking, without going into kind of any specific details, each strata lot, if it's not a common property thing,

285

each strata lot is responsible for the repairs to their own suite

286

so you know if there's a toilet from the third floor

287

that leaks uh and it leaks into the second floor

288

and there's no real common property that's damaged it's just the

289

the two floors then the third floor opens a claim uh with their insurance company uh

290

if there's what if there's damage and

291

and then the second floor uh unit would open a claim

292

with their insurance company to fix the the in suite damage

293

and then those two companies insurance companies usually kind of battle

294

it out uh to subrogate who's going to be responsible for paying what um

295

and that's that's kind of the general you know rule of thumb it's not

296

if it's not over the deductible the strata doesn't normally get involved

297

and uh so

298

that you know that's kind of the rule even though it

299

might all would not make sense you would think well three should have to pay for for two's damage

300

but that's not necessarily the case.

301

Yeah, that's the way I understand it.

302

But if it's $500, it shouldn't go to insurance.

303

So I think the person upstairs should pay, but they don't always.

304

That's right.

305

And it's hard to sometimes get them to pay, right?

306

And it's, you know, unfortunately, the second floor in this example has to open an insurance claim.

307

And their insurer would try to subrogate against the third floor unit.

308

gets complicated it does it can get really complicated

309

but that's the misconception is that the the one causing the damage is the one

310

that pays for everything below and that's not always the case

311

because each under the strata act each each strata lot is

312

responsible for their own uh damage to their own suite like repairs to their own suite

313

thanks way yeah no problem i can see here sonia uh question what do you do

314

if your strata manager won't source more than one or two quotes and then another one uh let's see here

315

so if your strata manager won't source more more than one

316

or two quotes well i would i would try to uh nicely ask them to go out there

317

and get more than one or two quotes i mean there's no reason

318

that you know five years ago or even maybe three

319

or four years ago you couldn't necessarily get more than one quote uh

320

because the market was so tight

321

that uh it just wasn't possible now in certain cases uh

322

if it depends who's back end insuring your your particular policy

323

they may be sharing like uh the same like maybe lloyds of london is on both

324

if bfl is using them and hub is using them

325

and then one will one of the brokerages may refuse to go out

326

and get a quote just because they're they're using the same insurer

327

so that does happen quite a bit um where they just can't get you more than one quote uh

328

but it doesn't mean you can't try to get to get multiple quotes OK,

329

I'm just going to close the chat here.

330

Tony.

331

Sorry, just going to unmute it first.

332

Since you're on topic of options, so I hear BFL hub.

333

So who else do you recommend?

334

And I think of Westland as well.

335

So you got any other recommendations?

336

Yeah, there's, you know what, there's, before there wasn't a lot of guys.

337

It was a little bit tricky, but there's quite a few that can do it now, right?

338

There's, we see one, there's Waypoint is quite aggressive in the market right now.

339

There's Acera, or what are they called now?

340

Acera Capri,

341

CMW, used to be CMW, Acera um there's chill there's westland there's uh

342

and then there's lots of smaller brokers out there too you

343

know for your complex you probably have to go with one of the bigger ones but

344

um you know there's there's uh intact um yeah there's there's probably even you know half a dozen at least

345

that could it could quote on your particular building no i don't know this is a rumors

346

or this is true

347

if you get too many causes is there any disadvantage maybe

348

you get too many people going out there trying to source it

349

and therefore you can actually do a disservice for you in terms of premium i don't really think

350

so i mean i think

351

that uh you might you might run into the case where

352

they've already opened like say say bfl is using a certain back -end insurer

353

and then you go out and ask Waypoint for a quote and they're also using that insurer.

354

So you just wouldn't be able to get that quote.

355

But it's not like your premium is going to go up.

356

It's just, it's not like when you're applying for a mortgage

357

and you start applying at too many places and it affects your credit score.

358

Like I don't really see that.

359

Okay, thanks Chris.

360

Yep.

361

any other questions guys oh here's a good one another one from Sonia our council members able to some brokers

362

or providers don't seem to deal with non strata professionals like volunteers Well, I mean, some brokers may,

363

I can't really speak to that because I've never really been in that scenario,

364

but I don't see why you wouldn't be able to go out and get quotes if you're on council.

365

I mean, they may not want just owners going out there and getting quotes, but I don't see why someone from council couldn't go and get quotes.

366

I mean, in a lot of scenarios, council, you know, in a lot of buildings that we manage, that's what council does.

367

Like, we only maybe manage their financials or something like that.

368

So that would be a role.

369

Maybe the president does it or the treasurer or something.

370

So I don't see any issues with that.

371

anything else anyone to do with insurance or

372

uh tony you had another one yeah sorry since i always talk about cost

373

because i'm i'm money sensitive so

374

so i i you know strata we always think the best way to reduce costs is group group everything together

375

so therefore you get more leverage in terms of uh getting quotes

376

and stuff like that either for landscaping

377

or whatever we've been trying to uh get a few stratas

378

here together uh for one company to do six stratas within this because you you've got lower overheads right?

379

Because you got a company who comes in here and does the area with six, seven, eight stratas.

380

Okay.

381

That's also a strategic way of reducing costs.

382

Can we do that with insurance with your assistance and go out there and say, give me an example.

383

Okay.

384

I'm a property management CEO here.

385

So therefore I got a total of 100 buildings. So

386

if I give you all the business i recommend uh to

387

hub say to hub can you give me a discount for all 100 unit 100 stratas

388

it's a good question it's it's yes and no is kind of the answer

389

so in in your instance uh in your example for landscaping it totally makes sense right

390

because they have to drive there once instead of driving back

391

and forth and wasting that time to pay their guys for commuting

392

and for gas so it really makes sense in landscaping

393

and insurance there's not really that economies of scale

394

because um you know they're not saving any money doing it

395

that way now we do have like preferred programs with certain vendors

396

but at the end of the day say we did

397

that with uh i don't know bfl we said okay

398

and bfl says we're going to give you a great deal you're going to get the best deal

399

that we possibly have and we say okay we're going to give you all our business then

400

and we go to you and we say okay here's your deal

401

and who's to say that's the best deal you could possibly have what

402

if you went to another guy and got a quote from them

403

and it came in 10 % cheaper right

404

so I think in many ways like getting tied in exclusively to one vendor without going out there

405

and shopping quotes around can actually lead to higher uh costs maybe the first year it doesn't

406

but when people get complacent they get you know the costs tend to just creep up over time right

407

and i think you're probably in a better position where you're not tied into anyone exclusively

408

uh you're still getting a bulk deal

409

because you're giving them a lot of business

410

but uh we don't have to have to use any particular vendor for anything

411

because we're not you know we don't have any kind of exclusivity agreement with them

412

that forces us to use them

413

when we might be able to find a better price from someone else okay thank you yep

414

uh let's see sonia did you have any more questions anyone else anything

415

going once going twice well thank you very much guys i

416

really appreciate oh we've got one more here last second eva i think you're on mute there still

417

yeah very quick i'm just going back to roof maintenance and you suggested an annual report

418

We have our building and surroundings power washed every year,

419

and periodically we have the roof treated about once every three, four years.

420

Now, should a report be a different company?

421

Or could it be the same company that does the power washing?

422

It's probably going to be a different company.

423

Like I would, I would recommend like a roofing company to do that.

424

And you might even want to use somebody that's, I mean, sometimes when a roofing company does it,

425

their, their report is, oh, the roof's falling apart.

426

You need to get a new roof.

427

Right.

428

So it's got to be somebody you trust and somebody that maybe even just like an RRO, somebody that doesn't actually do the work.

429

They're just like a roofing consultant.

430

Okay.

431

And you could also use engineers for that, but you're going to pay more to have that done.

432

So it depends on the age of the roof and how much work is needed. But

433

if it's coming towards the end of its – I'll use

434

an example like your depreciation report say you've got a 25

435

year old roof your depreciation report says you have a 25 year old roof

436

and it needs to be replaced now

437

and your insurance company is going to look at that

438

and say well i want you guys to replace your roof

439

otherwise your premium is going to go up i've seen this a lot

440

so what you would do in this case it's like well you know

441

that that roof you can probably get 35 years out of it

442

because you've maintained it you've done all the right things you

443

just go out You get a report every year from someone credible that you can give to your insurer and said, listen, we know it says the depreciation report says X,

444

but the reality is we have another 10 years on this roof.

445

So that's kind of a scenario that you would like that in.

446

Thank you.

447

I'd leave it to the experts for sure.

448

Anything else?

449

Anyone? anyone any questions well thank you

450

so much i appreciate you guys oh there's one more coming

451

in all right good i like questions is there a way

452

for council to work with the fire department directly are electrical

453

um yeah for sure yeah of course you can call the

454

uh call the fire department they would they could come out

455

and uh you know take a take a look at things

456

for you i don't know how quickly they'd get over there

457

but if there's a concern like a concern about electrical definitely um you know just if you

458

if you have a concern about electrical i would i would

459

advise you to probably get an electrician in first to take

460

a look at it before raising a bunch of flags and

461

and calling the fire department but um yes you can absolutely reach out to them

462

as a council and and if you have concerns anything else anyone

463

okay well i think that'll we're going to call it a day then

464

and probably the next one that we will do will be

Baixar aplicativo

Tudo o que você precisa para falar fluentemente

Pronúncia com IANota em cada frase

Prática de IPADomine cada som

VocabulárioMonte seu banco de palavras

Jogo de vocabulárioAprenda brincando

Escaneie o QR

Download on theApp Store Get it onGoogle Play

Mesmo canal

FOR YOU

Vídeo recomendado

406 frases

24 Hours Inside a $47M YC AI-native Insurance Startup

Business EnglishDaily ConversationWorking Adults

377 frases

You’ll Beat 99% of Realtors on Listing Presentations If You Say This!

Business EnglishWorking Adults

207 frases

Asking the TOP 5 Prop Firm Traders How to PASS

Business EnglishWorking Adults

35 frases

10 Human Resource Management Basics You Must Know

Business EnglishWorking Adults

34 frases

What Is Pillar Content And Why IT'S WORTH IT

Business EnglishWorking Adults

435 frases

Color Palettes Worth Another Look

Business EnglishDaily ConversationUniversity Students

232 frases

STRATA MANAGEMENT WITH ASSOCIA BRITISH COLUMBIA

Business EnglishWorking Adults

352 frases

Why Renewals Are Won or Lost Before the Renewal Call

Business EnglishWorking Adults

541 frases

How I Would Build a $10M Service Business (If I Had to Start Over)

Business EnglishWorking Adults

34 frases

Reporting to the Steering Committee: The Project Is Behind Schedule

Business EnglishWorking Adults

Vocabulário e dicas de fala para esta lição

Esta aula de conversação de nível B2 usa o vídeo “Top 10 Tips to Keeping Strata Insurance Premiums Low”. As palavras que mais se repetem: strata, insurance, quote. Este vídeo tem 464 frases e 5782 palavras para praticar shadowing. A fala dura 37:33. O falante fala em ritmo natural, cerca de 154 palavras por minuto, próximo de uma conversa do dia a dia. 85% das palavras estão entre as 3.000 mais comuns do inglês; vale a pena estudar o restante antes de começar.

Vocabulário principal deste vídeo

As 15 palavras mais avançadas do vídeo, com pronúncia e significado:

Palavra	Pronúncia	Significado
stratum substantivo	/ˈstɹeɪ.təm/	estrato
deductible adjetivo	[dɪˈdʌktəbəɫ]	dedutível
insurer substantivo	/ɪnˈʃʊɹ.ɚ/	segurador, seguradora
suite substantivo	/swiːt/	conjunto, leque
sprinkler substantivo	/ˈspɹiŋklɚ/	aspersor
inspection substantivo	/ɪnˈspɛkʃən/	inspeção
leak substantivo	/liːk/	vazamento, fuga
mute adjetivo	/mjut/	mudo
hose substantivo	/hoʊz/	mangueira, borracha
broker substantivo	/ˈbɹoʊkɚ/	intermediário, corretor
plumbing substantivo	/ˈplʌmɪŋ/	encanamento
vendor substantivo	/ˈvɛn.dɚ/	vendedor, vendedora
drain substantivo	/dɹiːn/	dreno, ralo
mandatory adjetivo	/ˈmæn.dəˌtɔɹ.i/	obrigatório, mandatório
earthquake substantivo	/ˈɝθkweɪk/	sismo, terramoto

Phrasal verbs que você vai ouvir

Palavra	Pronúncia	Significado
go out verbo		sair
go up verbo		subir
find out verbo		descobrir
go off verbo		explodir
come out verbo	/ˌkʌm ˈaʊt/	sair, partir
fall apart verbo		cair aos pedaços
figure out verbo		descobrir, deduzir
get over verbo		superar

Frases que vale a pena repetir

Frases curtas e completas do vídeo que você pode usar na conversa do dia a dia:

Why don't you have one when they're now mandatory?
If it's, you know, around your deductible.
Am I misunderstanding it?
I'm just going to close the chat here.
I'd leave it to the experts for sure.

Gramática neste vídeo

As estruturas que o falante mais usa, com as palavras exatas do vídeo:

Estrutura	No vídeo
Frases condicionais if + oração, will/would + verbo — uma condição e seu resultado	if your strata manager won't source
Present perfect continuous have/has been + -ing — uma ação que começou antes e continua	i've been taking · we've been trying
Present perfect have/has + particípio passado — uma ação passada que ainda importa agora	I've seen · we've seen · haven't seen
Voz passiva be + particípio passado — o foco está no que acontece, não em quem faz	are started · be replaced · be changed

Pronúncia para ficar de olho

O falante usa 179 contrações e formas reduzidas, como don't, you're, they're. Diga-as na forma curta, do jeito que você ouve.

Os sons de “th”: earthquake /ˈɝθkweɪk/, worthwhile /ˌwɜː(ɹ)θˈwaɪl/, thumb /ˈθʌm/
Os sons de “sh” e “zh”: insurer /ɪnˈʃʊɹ.ɚ/, depreciation /dɪˌpɹiːʃɪˈeɪʃən/, inspection /ɪnˈspɛkʃən/, restoration /ɹɛstəˈɹeɪʃən/, specialize /ˈspɛʃəˌlaɪz/
Palavras longas — acerte a sílaba tônica: deductible [dɪˈdʌktəbəɫ], depreciation /dɪˌpɹiːʃɪˈeɪʃən/, mandatory /ˈmæn.dəˌtɔɹ.i/, aluminum /əˈlu.mɪ.nəm/, restoration /ɹɛstəˈɹeɪʃən/

Sons difíceis para falantes de português:

Consoante final — sem acrescentar um “i” depois: suite /swiːt/, leak /liːk/, mute /mjut/, earthquake /ˈɝθkweɪk/, braid /bɹeɪd/
/l/ final — a língua toca o céu da boca, não vira “u”: deductible [dɪˈdʌktəbəɫ], worthwhile /ˌwɜː(ɹ)θˈwaɪl/, chill /tʃɪl/
s + consoante no início — sem um “i” antes: stratum /ˈstɹeɪ.təm/, suite /swiːt/, sprinkler /ˈspɹiŋklɚ/, strata /ˈstɹeɪtə/, specialize /ˈspɛʃəˌlaɪz/

Como praticar com este vídeo

Ouça o vídeo inteiro uma vez sem falar e anote as palavras que você não conhece.
Comece na velocidade 0,75×, faça shadowing frase por frase e volte à velocidade normal quando ficar fácil.
Grave a sua voz e compare com o original, prestando atenção a palavras como stratum, deductible, insurer.

O que é a Técnica de Shadowing?

Shadowing é uma técnica de aprendizado de idiomas com base científica, originalmente desenvolvida para o treinamento de intérpretes profissionais. O método é simples, mas poderoso: você ouve áudio em inglês nativo e repete imediatamente em voz alta — como uma sombra seguindo o falante com 1-2 segundos de atraso. Pesquisas mostram melhora significativa na precisão da pronúncia, entonação, ritmo, sons conectados, compreensão auditiva e fluência na fala.

Técnica de shadowing: leia o guia completo passo a passo →

Prática de Shadowing: Top 10 Tips to Keeping Strata Insurance Premiums Low (Vancouver, BC) - Aprenda a falar inglês com vídeo

Escolha um modo de prática

Baixar aplicativo

Stop Using Your Inbox as a To-Do List

Managing a Small Strata? Here's How to Handle the Biggest Challenges

Save Strata Money with These Top 10 Long Term Maintenance Tips

Strata Conflicts and How to Prevent Them

24 Hours Inside a $47M YC AI-native Insurance Startup

You’ll Beat 99% of Realtors on Listing Presentations If You Say This!

Asking the TOP 5 Prop Firm Traders How to PASS

10 Human Resource Management Basics You Must Know

What Is Pillar Content And Why IT'S WORTH IT

Color Palettes Worth Another Look

STRATA MANAGEMENT WITH ASSOCIA BRITISH COLUMBIA

Why Renewals Are Won or Lost Before the Renewal Call

How I Would Build a $10M Service Business (If I Had to Start Over)

Reporting to the Steering Committee: The Project Is Behind Schedule

Vocabulário e dicas de fala para esta lição

Vocabulário principal deste vídeo

Phrasal verbs que você vai ouvir

Frases que vale a pena repetir

Gramática neste vídeo

Pronúncia para ficar de olho

Como praticar com este vídeo

O que é a Técnica de Shadowing?