IBC warns NL homeowners to prepare for Hurricane Larry

In anticipation of Hurricane Larry, the Insurance Bureau of Canada (IBC) has issued an advisory for homeowners in Newfoundland and Labrador.

According to the IBC, homeowners must keep in mind the following tips in preparation for Hurricane Larry.

• Create an emergency preparedness plan for your family.
• Move valuable items in your basement to higher levels in your home.
• Assemble disaster safety kits for your home, car and office.
• Prepare a detailed home inventory.
• Protect or move property that might be damaged by flying debris.
• Have someone check your property if you are away.
• Make sure downspouts are clear of debris and direct water away from your home.
• Charge handheld electronics and have back-up power sources available.
• Secure any loose patio furniture and barbecues when a storm is on its way.
• Check with your insurance representative to make sure you have appropriate coverage.

IBC also advised homeowners to talk to their insurance representatives to ensure that they have appropriate coverage. The bureau also listed several insurance reminders:

• Water damage in a basement due to a sewer backup is only covered if you have purchased specific, optional sewer backup coverage.
• Overland flood damage, which occurs when bodies of water such as rivers overflow onto dry land, is only covered if you have purchased specific, optional overland flood coverage. However, if you live in a known flood plain, this coverage may not be available.
• Damage to homes caused by wind is usually covered. This includes damage caused by flying debris or falling branches or trees, or damage caused by water entering through openings caused by the above.
• If you have purchased comprehensive or all perils automobile insurance coverage, damage to vehicles from wind, or water is usually covered. This coverage is not mandatory, so check your policy.
• In certain circumstances, homeowners who are unable to return home due to insured damage are entitled to additional living expenses.

“As we’ve seen in previous years, a hurricane can cause extensive damage regardless of its category. Being prepared for any severe weather event is important for your personal and financial security,” said IBC Atlantic vice president Amanda Dean. “We want to ensure that Newfoundlanders and Labradorians are ready for any strong winds or heavy rains that Hurricane Larry may bring to the province.”

Dean additionally warned that even a significantly weakened hurricane can carry winds strong enough to cause widespread destruction.