Issues surrounding higher education and skills development in Canada. Philippe-Edwin Bélanger CGS/QUÉBEC/12 JUILLET 2015
|
|
|
- Randolph Scott
- 10 years ago
- Views:
Transcription
1 Issues surrounding higher education and skills development in Canada Philippe-Edwin Bélanger CGS/QUÉBEC/12 JUILLET 2015
2
3 Employment Status of INRS Graduates 3% 6% 13% Student Employed Inactive Unemployed 78% Employment status as of October Data extracted from information provided by INRS graduates in Relance % of INRS graduates are working or pursuing their studies 82% of INRS graduates have full-time employment in their field of study, and over half of those who work in another field report having chosen to do so. 3
4 PRESENTATION OUTLINE 1- Overview of higher education in Canada 2- Situation in Quebec 3- Is the master s the new bachelor s? Considerations and outlook
5 FACTS ABOUT HIGHER EDUCATION IN CANADA In Canada and Québec, investments in access and equity have opened post-secondary education to millions of people. Advanced technology has fundamentally altered the importance of advanced education.
6 FACTS ABOUT HIGHER EDUCATION IN CANADA Here s some data about postsecondary education from the Conference Board of Canada. Facts and Figures about post-secondary education 2009 annual expenditures $37 billion Current estimated expenditures $40 billion Employees (includes administrators, instructors, etc.; does not include supply chain and service institutions) Percentage of population who have completed either university or college (2012) Percentage of population who have trades certificates (2012) Higher Education R&D (2011) 250, per cent. 12 per cent. $11.3 billion Sources: Conference Board du Canada
7 FACTS ABOUT HIGHER EDUCATION IN CANADA You can t talk about higher education in Canada without talking about demographics. Sources: Conference Board du Canada
8 Sources: Statistique Canada
9 Sources: Statistique Canada
10 FACTS ABOUT HIGHER EDUCATION IN CANADA International Students Fill in the Gap Canada relies heavily on immigrants and international students. We needs them to keep the system afloat. 1993, 2 percent of Canada s postsecondary students were international students. Today that number is 10 percent. And about 30% percent of all PhD students are now international students.
11 OBSTACLES WHEN IT COMES TO DEVELOP CANADA SHIGHER EDUCATION Here s a few challenges facing Canada s universities: First and foremost: conflicts of interest and demands by various groups and university stakeholders, including unions, professors, staff, students, businesses, and governments. These stakeholders often have opposed goals that stunt the growth of universities.
12 OBSTACLES WHEN IT COMES TO DEVELOP CANADA SHIGHER EDUCATION Keep in mind that in Canada, higher education is a provincial responsibility. This makes it difficult to introduce national strategies in higher education. In Germany, the Landers voluntarily transferred part of their education powers to the federal government so higher education and research could be better coordinated. That would never happen in Canada, and we are less competitive and attractive as a result. Finally, with so many international and non-traditional students, there is a lot of pressure to better integrate those students and to give them credit for experiential learning and non-conventional academic paths.
13 SITUATION IN QUEBEC One of our most famous poets described Quebec this way: My country is not a country, it's winter. That s very true. Quebec is freezing 4 to 6 months out of the year. But since twenty twelve, even though our rivers and lakes continue to freeze, government subsidies for Quebec universities have been melting away like snow in the spring sun.
14 SITUATION IN QUEBEC Far be it from me to air our dirty laundry in front of guests, but in Quebec, the government s repeated cuts to university budgets have seriously compromised our ability to grow and meet society s needs. What s more, the government regulates annual tuition hikes, which have been virtually nil. Tuition in Quebec is the lowest in North America at about 3400 Canadian dollars a year.
15 Réduction Loi 100 Compression TOTAL Montant Répartition 4,8 M$ 122,8 M$ 127,6 M$ Au prorata des dépenses administratives visées Paramétrique Réduction Loi 100 Compression TOTAL 6,5 M$ 122,8 M$ 129,3 M$ Au prorata des dépenses administratives visées Paramétrique Réduction Loi 100 Compression Gains de productivité à réaliser Effort budgétaire supplémentaire Compression additionnelle novembre 2014 TOTAL 6,5 M$ 122,8 M$ 11,1 M$ 31,4 M$ 31,7 M$ 203,5 M$ Au prorata des dépenses administratives visées Réduction de l étalon Au prorata des dépenses administratives visées Abolition de certaines enveloppes, solde paramétrique Paramétrique Réduction Loi 100 Compression Gains de productivité à réaliser Effort budgétaire supplémentaire Compression additionnelle novembre 2014 Compression TOTAL 6,5 M$ 122,8 M$ 11,1 M$ 31,4 M$ 31,7 M$ 72,8 M$ 276,3 M$ Au prorata des dépenses administratives visées Réduction de l étalon Au prorata des dépenses administratives visées Abolition de certaines enveloppes, solde paramétrique Réduction de l étalon de 14,7 M$ et solde à déterminer À déterminer Cumulatif 736,7 M$ Sources: Université du Québec
16 SITUATION IN QUEBEC Since twenty twelve, seven hundred, 740 million dollars have been cut from the budgets of Quebec s eighteen universities. That s huge, especially since we have no leeway to increase tuition fees. Sources: Université du Québec
17 SITUATION IN QUEBEC Another important thing to know about Quebec is how long it takes to get government approval for new programs. All new programs must be approved by the Ministry of Higher Education. This is a long, complicated process, and there is no guarantee a program will get the green light. There is a lot of red tape, and this prevents universities from adjusting to change as they should. Sources: Université du Québec
18 Durée de cheminement à la Commission d'évaluation des projets de programmes (CEP) Durée de traitement par la CEP des dossiers de projet de programme à l évaluation complète, par établissement universitaire québécois (soumis en mois) Près d un an pour une évaluation complète par la CEP légère diminution depuis dossiers UQ dans la moyenne Sources: Université du Québec
19 IS THE MASTER S THE NEW BACCALAUREATE? But let s get back to our starting question. Is the master s the new bachelor s? If so, what role should employers have in the discussions? Should there be a more direct linkage between the supply of seats in university programs and the needs of the economy? Should there be some explicit role for the private sector in the discussions about degrees and qualifications?
20 IS THE MASTER S THE NEW BACCALAUREATE? We often hear talk of the skills gap and corporate dissatisfaction with university training. But can the private sector truly and accurately predict what their requirements will be in 5, or 10 years? In 20 years, will a master s degree still be the solution? I recently attended a conference by Bertrand Cesvet, president of the Montreal ad agency Sid Lee. In his view, the main problem of universities is that they are too slow to adapt.
21 IS THE MASTER S THE NEW BACCALAUREATE? Let s turn back the clock 20 years... CDs dominated the music industry. They were lightweight and durable, and the sound quality was excellent. Who, in 1995, could have imagined that cellular phone would change everything?
22 IS THE MASTER S THE NEW BACCALAUREATE? The music industry failed to adapt fast enough to the digital revolution. Cellular phone transformed the music industry. But it also transformed the way we engage with the world, our social relationships, the way we travel and shop even the way we fall in love! Who could have predicted that in 1995?
23 CHANGE IS HAPENING NOW! During that time, our business model didn t change very fast. We re all friends here, so let s be frank. We need to equip universities to adapt better and faster. We need to streamline management and rethink the way we teach. We need to teach intense collaboration. We need to link disciplines and sectors, connect anthropologists with architects and engineers, students with researcher s whit businesses. Human life expectancy will soon reach a 100 years. We will need to be lifelong learners to stand the fast technological evolution, but we won t necessarily have the time to earn a new bachelor s, master s degree or PhD. Are we ready for that change? Are we going to respond to that need?
24 CHANGE IS HAPENING NOW! The information and communication technology revolution have transformed every aspect of life but the way we transmit knowledge has not kept pace. Is the master s the new bachelor s? In many fields, the current answer is probably yes. But for how long? The question we might ask to ourselves now is whether universities will be able to adapt fast enough and to keep on adapting in a world where resisting change is no longer an option.
25
Canada Student Loans Program Review: Seneca College Recommendations
Canada Student Loans Program Review: Seneca College Recommendations Seneca College s submission to the Canada Student Loan Program (CSLP) Review has been developed based upon a number of distinctive characteristics
Evolving expectations for teaching in higher education in Canada
Evolving expectations for teaching in higher education in Canada Gary A. Hunt Assistant Professor Thompson Rivers University Alan Wright Vice-Provost, Teaching and Learning University of Windsor George
UNIVERSITY WORKS 2015 EMPLOYMENT REPORT
UNIVERSITY WORKS 2015 EMPLOYMENT REPORT University Works uses empirical data to report on the outcomes of university graduates in terms of employment levels and earnings, as well as average debt upon graduation.
MD. ALI KHAN. and THE MINISTER OF CITIZENSHIP AND IMMIGRATION REASONS FOR ORDER AND ORDER
Federal Court Cour fédérale Date: 20101001 Docket: IMM-1196-10 Citation: 2010 FC 983 St. John s, Newfoundland and Labrador, October 1, 2010 PRESENT: The Honourable Madam Justice Heneghan BETWEEN: MD. ALI
HELPING HEALTH CARE: A HOSPITAL ERGONOMICS (MUSCULOSKELETAL INJURY) RISK ASSESSMENT PROJECT
Comptes rendus du congrès SELF-ACE Les transformations du travail, enjeux pour l ergonomie Proceedings of the SELF-ACE Conference Ergonomics for changing work HELPING HEALTH CARE: A HOSPITAL ERGONOMICS
STUDYANDLIVE INQUEBEC
STUDYANDLIVE INQUEBEC DARE TO EXPERIENCE QUÉBEC! MAKE YOUR EDUCATION AN UNFORGETTABLE EXPERIENCE BY COMING TO STUDY IN QUÉBEC! A HIGHLY STIMULATING EDUCATIONAL SETTING IS YOURS IN A CULTURAL ENVIRONMENT
Product / Produit Description Duration /Days Total / Total
DELL Budget Proposal / Proposition Budgétaire Solutions Design Centre N o : 200903201602 Centre de Design de Solutions Date: 2009-03-23 Proposition valide pour 30 jours / Proposal valid for 30 days Customer
Spending on Postsecondary. of Education, Fact Sheet. Education Indicators in Canada. June 2011
Catalogue no. 81-599-X Issue no. 007 ISSN: 1709-8653 ISBN: 978-1-100-18860-7 Education Indicators in Canada Spending on Postsecondary Education June 2011 Tourism and the Centre for Education Statistics
SUPPORTING. Immigrants and Immigration to Alberta AN OVERVIEW
SUPPORTING Immigrants and Immigration to Alberta AN OVERVIEW Table of Contents Introduction...1 Alberta s Vision of Immigration...3 Attracting and Retaining Immigrants to Alberta...3 The Need for Immigration...4
SUNY Empire State College Information Presentation
At SUNY Empire State College, we pride ourselves on seeing our students as individuals. We recognize that everyone s needs and goals are different, and we respect those differences. 10/10/2014 1 Working
The Importance of Higher Education to Our Economy. Commissioner David Buhler Utah System of Higher Education March 20, 2014
The Importance of Higher Education to Our Economy Commissioner David Buhler Utah System of Higher Education March 20, 2014 Utah s Eight Public Colleges & Universities Research Universities University of
Living in Alberta. Child Care Cost of Living Education Entertainment Food Items Gasoline Health Care
Living in Alberta Child Care Cost of Living Education Entertainment Food Items Gasoline Health Care Housing Quality of Life Taxes Transportation Utilities Wages Weather Whitehorse Iqaluit Yellowknife Alberta
FACT SHEET FOR EXCHANGE STUDENTS 2015-2016
FACT SHEET FOR EXCHANGE STUDENTS 2015-2016 This Fact Sheet is a summary of the most important information students and partner institutions must know about the International Mobility Program at Polytechnique
2015 Annual Alberta Labour Market Review. Employment. Unemployment. Economic Regions. Migration. Indigenous People. Industries
2015 Annual Alberta Labour Market Review Employment. Unemployment. Economic Regions Migration. Indigenous People. Industries Occupations. Education. Demographics Employment Despite the economic downturn,
Telephone: 514-878-2691 Email: [email protected]
NICOLE PARENT, RN PHD Telephone: 514-878-2691 Email: [email protected] CAREER PROFILE Nicole Parent, RN, PhD is a Senior Consultant in s Strategy and Performance Consulting Group. She is also a nurse
Adjusting to a Changing Economic World. Good afternoon, ladies and gentlemen. It s a pleasure to be with you here in Montréal today.
Remarks by David Dodge Governor of the Bank of Canada to the Board of Trade of Metropolitan Montreal Montréal, Quebec 11 February 2004 Adjusting to a Changing Economic World Good afternoon, ladies and
Canadian Association of Speech-Language Pathologists and Audiologists: University Programs in Audiology 2010
Canadian Association of Speech-Language Pathologists and Audiologists: Programs in Audiology 2010 Final Report December 2010 Canadian Association of Speech-Language Pathologists and Audiologists: Overview
Actuarial Report. on the CANADA STUDENT LOANS PROGRAM
Actuarial Report on the CANADA STUDENT LOANS PROGRAM as at 31 July 2001 Office of the Superintendent of Financial Institutions Office of the Chief Actuary Bureau du surintendant des institutions financières
In-Home Caregivers Teleconference with Canadian Bar Association September 17, 2015
In-Home Caregivers Teleconference with Canadian Bar Association September 17, 2015 QUESTIONS FOR ESDC Temporary Foreign Worker Program -- Mr. Steve WEST *Answers have been updated following the conference
Why a Floating Exchange Rate Regime Makes Sense for Canada
Remarks by Gordon Thiessen Governor of the Bank of Canada to the Chambre de commerce du Montréal métropolitain Montreal, Quebec 4 December 2000 Why a Floating Exchange Rate Regime Makes Sense for Canada
BC s Colleges: Putting British Columbians First in Line
BC s Colleges: Putting British Columbians First in Line The Situation There are 985,100 job openings forecast by 2022; the largest percentage, 44 per cent, require a college education. Between 2019 and
Graduate Certificate in Accounting Practice
Graduate Certificate in Accounting Practice Contents Prepare for a Career in the Accounting Profession at McGill... 1 What is the Graduate Certificate in Accounting Practice Program?... 1 What are the
Summary Toward An Updated Vision Of Graduate and Post-Doctoral Studies Page 2
In its brief Pour une vision actualisée des formations universitaires aux cycles supérieurs, the Conseil supérieur de l éducation maintains that graduate and post-doctoral studies offer individual and
Immigrant Integration Summit 2014. Brenda Lohrenz, E.D. LISTN (Language Instruction Support and Training Network)
Immigrant Integration Summit 2014 Brenda Lohrenz, E.D. LISTN (Language Instruction Support and Training Network) Federally Funded Language Programming Standardization in Language Training Yukon & British
Katarzyna ROMANIUK. Université de Paris 1 Panthéon-Sorbonne Universidad de Santiago de Chile
Katarzyna ROMANIUK Professional address in France Professional address in Chile Université de Paris 1 Panthéon-Sorbonne Universidad de Santiago de Chile UFR 06 - PRISM Department of Economics 1, rue Victor
Engineering Political Science
Engineering Political Science Faculty of Arts, Humanities and Social Sciences International Relations and Development Studies If you are considering a career in a competitive global environment, this program
CURRICULUM VITAE Bertrand Malsch, Ph.D., M.B.A Assistant Professor and QSB Distinguished Faculty Fellow in Accounting
CURRICULUM VITAE Bertrand Malsch, Ph.D., M.B.A Assistant Professor and QSB Distinguished Faculty Fellow in Accounting EDUCATION Ph.D. in Business Administration, Université Laval, September 2007 - May
How to Obtain a. Nursing Permit. from the Ordre des infirmières et infirmiers du Québec
How to Obtain a Nursing Permit from the Ordre des infirmières et infirmiers du Québec Note In accordance with the OIIQʼs editorial policy, to make for easier reading, the feminine pronoun is sometimes
BILL C-665 PROJET DE LOI C-665 C-665 C-665 HOUSE OF COMMONS OF CANADA CHAMBRE DES COMMUNES DU CANADA
C-665 C-665 Second Session, Forty-first Parliament, Deuxième session, quarante et unième législature, HOUSE OF COMMONS OF CANADA CHAMBRE DES COMMUNES DU CANADA BILL C-665 PROJET DE LOI C-665 An Act to
Expérience appui ANR Zimbabwe (Medicines Control Authority of Zimbabwe -MCAZ) Corinne Pouget -AEDES
Expérience appui ANR Zimbabwe (Medicines Control Authority of Zimbabwe -MCAZ) Corinne Pouget -AEDES 1 Zimbabwe Pharmaceutical Industry The Market Small Country of ca.13 million people Human Pharmaceutical
PROPOSED CHANGES TO THE CANADA PENSION PLAN
PROPOSED CHANGES TO THE CANADA PENSION PLAN Proposed by Federal, Provincial and Territorial Ministers of Finance Ottawa, May 25, 2009 For further information go to the Department of Finance Canada web
Statistical Profile of New Brunswick s Publicly Funded Universities
Statistical Profile of New Brunswick s Publicly Funded Universities Academic Year 2010 2011 Statistical Profile of New Brunswick s Publicly Funded Universities Academic Year 2010 2011 Province of New Brunswick
CURRICULUM VITAE. York University, professional diploma in business valuation, 1st in Canada in the corporate finance course (2000-2002)
CURRICULUM VITAE CATHERINE TREMBLAY, B.Com., DPA, CA, CBV, ASA EDUCATION York University, professional diploma in business valuation, 1st in Canada in the corporate finance course (2000-2002) McGill University,
Not only do college degrees help you earn more, but they ll help you keep steady work as well.
Introduction The decision to go back to school as an adult can be a complex one. Prospective adult students face many complicating factors that traditional students usually don t think about. With families,
Technology: Creating New Models in Higher Education
Technology: Creating New Models in Higher Education By Robert W. Mendenhall Western Governors University Summary Technology will greatly expand access to higher education and fundamentally change the models
Société de gestion pour le soutien aux proches aidants, 400 de Maisonneuve Blvd. West, Suite 720, Montréal, Québec H3A 1L4 1
Société de gestion pour le soutien aux proches aidants, 400 de Maisonneuve Blvd. West, Suite 720, Montréal, Québec H3A 1L4 1 Context and background During the public consultation in 2007 on the quality
Renseignements supplémentaires Intervention orale. Supplementary Information Oral intervention
Deep Geologic Repository Joint Review Panel Commission d examen conjoint du projet de stockage dans des couches géologiques profondes PMD 13-P1.105A File / dossier : 8.01.07 Date: 2013-08-27 Edocs: 4190772
Lesson 2. Une Promenade... (Disc 1, Track 3)
Lesson 2 Une Promenade... (Disc 1, Track 3) Listen to the audio and follow along. Merci papa to have brought me on this promenade magnifique. Je suis content to have brought you on this walk. We need to
Archived Content. Contenu archivé
ARCHIVED - Archiving Content ARCHIVÉE - Contenu archivé Archived Content Contenu archivé Information identified as archived is provided for reference, research or recordkeeping purposes. It is not subject
Survey on use of Taser International 21ft cartridges
ARCHIVED - Archiving Content ARCHIVÉE - Contenu archivé Archived Content Contenu archivé Information identified as archived is provided for reference, research or recordkeeping purposes. It is not subject
EVALUATING POLICY OUTCOMES: FEDERAL ECONOMIC DEVELOPMENT PROGRAMS IN ATLANTIC CANADA
LA REVUE The CANADIENNE Canadian Journal D'ÉVALUATION of Program Evaluation DE PROGRAMME Vol. 15 No. 2 Pages 57 68 57 ISSN 0834-1516 Copyright 2000 Canadian Evaluation Society EVALUATING POLICY OUTCOMES:
Workforce planning in the public service : Calculating numbers and compensation costs in the Government of Canada
Workforce planning in the public service : Calculating numbers and compensation costs in the Government of Canada Roger Scott-Douglas 5ème réunion régionale du Groupe de Travail sur la fonction publique
Files on School Education. National Education and Vocational Education in France
Files on School Education 2010 National Education and Vocational Education in France ministère éducation nationale National Education and Vocational Education in France Education and life-long learning
Discovering the Canadian Museum of History À la découverte du Musée canadien de l histoire
Discovering the Canadian Museum of History À la découverte du Musée canadien de l histoire Nicolas Gauvin Director, Business Partnerships, Canadian Museum of History Directeur, Partenariats d affaires,
The Creative Destruction Of Higher Education by Technology Impact on Quality and Certification
Ontario s Distance Education & Training Network Since 1986 The Creative Destruction Of Higher Education by Technology Impact on Quality and Certification Contact North I Contact Nord s Address to The Council
Synthesis of ECT evidence
Efficacy Synthesis of ECT evidence Risk Reference : Agence d évaluation des technologies et des modes d intervention en santé (AETMIS). The use of electroconvulsive therapy in Québec. Report prepared by
Applying an HIA on an urban planning project: what is the added value in terms of health?
Applying an HIA on an urban planning project: what is the added value in terms of health? Pauline Mordelet Ville de Rennes Anne Roué-Le Gall - EHESP Geneva 2-4 Octobre 2013 Introduction In 2011, one Health
Ann-Charlotte TEGLBORG Department: Entrepreneurship and Innovation
Ann-Charlotte TEGLBORG Department: Entrepreneurship and Innovation Biography Ann-Charlotte TEGLBORG hold her Ph.D. in December 2010 at Paris I- Sorbonne (IAE). Her research interest focuses on democratization
Student Evaluation Form
A. Student Information Student Evaluation Form Degree(s) enrolled in at VUW Bachelor of Architecture Major(s) Architecture Exchange Institution Rhode Island School of Design VUW Trimester(s) and Year of
OECD Insights Human Capital: How what you know shapes your life
OECD Insights Human Capital: How what you know shapes your life Summary in English The world of work has seen enormous change over the past couple of decades. Manufacturing jobs account for an ever smaller
Submission to. House of Commons Standing Committee on Finance. Pre-Budget Consultations for the 2015 Federal Budget
Submission to House of Commons Standing Committee on Finance Pre-Budget Consultations for the 2015 Federal Budget August 2014 The Skills Summit recently hosted by The Hon. Jason Kenney in Toronto Ontario,
CDUAL CREDIT PROGRAMS. Policy and Program Requirements
CDUAL CREDIT PROGRAMS Policy and Program Requirements 2013 Contents Preface 3 1 Policy Overview 5 1.1 The Focus of Dual Credit Programs 5 1.2 Guiding Principles for Dual Credit Programs 6 1.3 Two Broad
VIA E-MAIL: [email protected], [email protected]
VIA E-MAIL: [email protected], [email protected] April 12, 2013 British Columbia Securities Commission Alberta Securities Commission Saskatchewan Financial Services Commission
What does student success mean to you?
What does student success mean to you? Student success to me means to graduate with a B average with no failing grades. Ferris is ridicules tuition rates don t affect me since I was fortunate enough to
Archived Content. Contenu archivé
ARCHIVED - Archiving Content ARCHIVÉE - Contenu archivé Archived Content Contenu archivé Information identified as archived is provided for reference, research or recordkeeping purposes. It is not subject
EUROPEAN UNIVERSITIES CHARTER ON LIFELONG LEARNING
EUROPEAN UNIVERSITIES CHARTER ON LIFELONG LEARNING Copyright 2008 by the European University Association All rights reserved. This information may be freely used and copied for non-commercial purposes,
PUTTING DEGREES TO WORK
B. C. S R E S E A R C H U N I V E R S I T I E S PUTTING DEGREES TO WORK CLASS OF 2008 GRADUATE OUTCOMES SURVEY The Class of 2008 graduated on the cusp of the worst global economic downturn since the Great
BBA Accounting Executive Summary
BBA Accounting Executive Summary Program Overview Business education continues to experience high demand from graduates of domestic high schools, mature students, working students and international students.
Exploring Student and Advisor Experiences in a College University Pathway
Exploring Student and Advisor Experiences in a College University Pathway Agenda Introduction to Durham College & UOIT Introduction to the Study Background for the Study Methodology Bachelor s of Commerce
COMMUNITY & EMPLOYER PARTNERSHIP ANNUAL PLAN Catchment #58
COMMUNITY & EMPLOYER PARTNERSHIP ANNUAL PLAN Catchment #58 Stephanie Masun 2015 Table of Contents HVI COMMUNITY & EMPLOYER PARTNERSHIP ANNUAL PLAN 2015...3 Summary... 3 HVI Community and Employer Partnership
Measuring Policing Complexity: A Research Based Agenda
ARCHIVED - Archiving Content ARCHIVÉE - Contenu archivé Archived Content Contenu archivé Information identified as archived is provided for reference, research or recordkeeping purposes. It is not subject
Canada-BC Job Grant Eligibility Criteria
Canada-BC Job Grant Goal/Objectives: Canada-BC Job Grant Eligibility Criteria The CJG goal is to increase participation of British Columbians in the labour force and help them to develop the skills necessary
All about. insurance and. water damage
All about insurance and water damage Water damage: Tops the list of home insurance claims Water damage now accounts for nearly half of the amounts paid for home insurance claims in Quebec, well ahead of
