With summer almost here, Atlantic Canada is also approaching the start of hurricane season. To help make sure that residents are prepared, the
Insurance Bureau of Canada (IBC) offered tips to minimize damage and understand how insurance can help.
"As we've seen in previous years, a hurricane can cause extensive damage regardless of its category," said Amanda Dean, vice president, Atlantic region, IBC. "Hurricane winds can cause structural damage to buildings, as well as uproot trees and knock down power lines. Even a significantly weakened hurricane can carry winds strong enough to cause widespread destruction and upheaval."
Hurricane season in Atlantic Canada usually lasts between June and November. Severe weather events are also on the rise, so consumers must take steps to ensure they and their properties are protected physically and covered by insurance.
Brokers and insurance representatives are encouraged to pass on these tips from the IBC to their clients:
- Create an emergency preparedness plan for your family.
- Assemble disaster safety kits for your home, car and office
- Secure any loose patio furniture and barbecues when a storm is on its way.
- Protect or move property that might be damaged by flying debris.
- Prepare a detailed home inventory.
- Charge handheld electronics and have back-up power sources available.
- Have someone check your property if you are away.
- Make sure downspouts are clear of debris and direct water away from your home.
- To protect against flooding caused by torrential rain, install a sump pump, backwater valve or backflow valve.
- Check with your insurance representative to make sure you have appropriate coverage.
The IBC also reminded residents that home insurance policies usually cover the following hurricane-related damages:
- Wind-related damage caused by a hurricane
- Damage to the house, shed or fence caused by a fallen tree
- Damage from rain entering the house through a window that is broken or a roof that is damaged by a windstorm
- Loss of fridge and freezer contents due to an extended power outage
- Water damage from sewer backup, if sewer backup coverage was purchased
After a hurricane and it’s declared safe to go out, policyholders must inspect their property and contact their insurance representative immediately. The following steps are recommended by the IBC:
- List all damaged or destroyed items. If possible, assemble proofs of purchase, photos, receipts and warranties.
- Take photos of damage incurred and keep damaged items, unless they pose a health hazard.
- Keep all receipts related to cleanup and living expenses in case of displacement. Ask an insurance representative about what expenses can be reimbursed for and for what period of time.
"Be sure to review your policy and speak to your insurance representative if you have questions about what you're covered for," said Dean.
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