Polar vortex, snowstorms, deep freeze, cold stretch: these are some of the wintry terms we’ve been hearing lately. With historic snowfall recorded in Toronto and the surrounding areas, as well as the prolonged cold, it has certainly been challenging for property owners and motorists in Ontario.
At McClelland Insurance, our brokers provide you with expert advice to keep your home, vehicles and businesses protected no matter what winter brings.
What are the common winter risks for property owners?
- Water damage also occurs during winter. Ice dams, burst pipes, and sudden thaws can force water into the property through basements, walls and ceilings.
- Heavy snow loads can cause structural damage to a building or home.
- Icy conditions increase the risk of slips and falls, as well as damage to property.
- Space heaters, wood-burning fireplaces and other heating sources can increase the risk of fire.
What are the common winter risks for drivers?
- Snowy and icy roads increase the risk of collisions.
- Freeze and thaw conditions could lead to potholes that could damage vehicles or cause an accident.
- Snow and ice flying off vehicles can hit other vehicles, property or people and can cause damage or injury.
Managing risks can help reduce the likelihood or severity of a claim
For property owners
- Fall is a good time to winterize your home – here are some tips on how to get your property ready.
- Clear snow from foundation drains, air vents and roofs.
- Check your property insurance policy and review your coverage options for more protection.
For vehicles
- Install winter tires early
- Clear snow and ice from your vehicle before getting on the road.
- Check your auto insurance policy and consider options such as accident forgiveness for more protection.
Learn more about personal insurance and commercial insurance to protect what matters to you.
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