Following the recent blizzard event in Atlantic Canada, the
Insurance Bureau of Canada (IBC) posted a notice advising consumers on what their policies will cover in terms of winter weather-related damages.
"Major winter storms can be difficult for families and communities and they can wreak havoc on homes and properties," said IBC vice-president, Atlantic Amanda Dean. "Knowing what your insurance policy covers when bad weather strikes can make a world of a difference. If you have insurance questions, contact your insurance representative or IBC's Consumer Information Centre. We're here to help."
Learn more about blizzard insurance here.
In its notice, the IBC listed the typical issues homeowners face during severe winter weather conditions and detailed whether they are covered or otherwise:
- Damage to properties caused by snow, hail, or wind is usually covered by home insurance. Damage caused by windswept debris, falling branches, and water/snow flooding also qualifies.
- Mobile homes or trailers damaged by the wind may be covered, depending on the insurer.
- Vehicles damaged by ice, wind, or water is usually covered – but only if the policy is comprehensive.
- Overland flooding is not typically covered by standard home insurance policies, but specific coverage may be available from some insurers. Water damage caused by sewer backup may be covered if it is included in a policy.
- Water damage resulting from an accumulation of ice or snow on a roof is only covered is specific coverage was purchased.
- The damage caused by leaking burst pipes causes is covered by most residential policies, but the cost of repairing the pipes is not. If the water damage is the result of freezing pipes, it may not be covered.
- Homeowners unable to live in their homes because of insured damage are entitled to the recovery of additional living expenses.
- Food spoilage caused by power outages may be covered.
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The association highly recommends that consumers contact their insurers for more details regarding coverage terms.
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