Ontario experiences a number of windstorms in the spring and summer months. Usually occurring between April and September, windstorms bring high winds, sometimes accompanied by rain or hail. A storm can bring up to 80 kph winds which can damage roofs, windows and structures, take down power lines, topple trees and turn loose objects into dangerous projectiles.
From thunderstorms to tornadoes, hurricanes, derechos and other types of wind events, it’s always good to be prepared for disasters and severe weather and make sure that you have insurance coverage to help you recover.
What does insurance cover?
- Most home insurance policies cover damage caused by wind to the roof, siding, fence and shed.
- Damage to a home caused by flying debris or falling branches or trees as a result of wind are usually covered.
- Damage or loss to the home and its contents from water entering through sudden openings caused by wind are usually covered.
For automobile insurance, comprehensive or all perils coverage covers your vehicle for damage or loss caused by wind. Check your policy if you have these coverages since these are add-ons that you need to purchase.
What else is covered?
If you need to leave your home because it is unlivable due to damage caused by an insured event, or if you are under a mass evacuation order, your property insurance policy may have coverage to help with the costs of temporary accommodations and living expenses. This is called Additional Living Expenses coverage on your insurance policy.
If you experience a power outage during an insured event, you may have coverage for food spoilage that covers a certain amount for the fridge, freezer and their contents.
What you can do to stay safe
Make sure to keep track of the weather in your area to stay ahead of any severe events. Here are some tips to stay safe:
- Secure loose items such as outdoor furniture, trash bins and decorations
- Check the surrounding property and trim tree branches that could fall on your home or vehicle.
- Check that windows and doors are closed and secure.
- During a storm, stay indoors and stay away from windows and glass doors.
- After a storm, stay clear of downed power lines. If you have damage to your property, and if it is safe to do so, take pictures to document the damage and contact your insurance broker or company to make a claim.
As with any severe weather event, be prepared.
The Government of Canada provides information on how you can be prepared for any emergency.
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Want to learn more?
The Insurance Bureau of Canada has extensive resources about severe weather, climate change and your insurance coverage.
Be ready and stay protected.
In addition to the IBC’s resources, the Government of Canada also provides information on how you can be prepared for any emergency.