Following a severe ice storm that swept through Ontario, insurers are advising affected homeowners on the claims process as they begin to assess property damage.
The storm, which struck on March 28, brought heavy freezing rain and ice, downing trees and power lines and leaving hundreds of thousands without electricity.
The Insurance Bureau of Canada (IBC) reminded policyholders that most standard home insurance policies cover damage caused by ice storms. This includes damage from fallen trees, branches, and flying debris, as well as water damage caused by sudden openings in a home due to wind.
"Some of the hardest-hit areas still do not have power restored, and it could be days before the entire electricity network is repaired," said Amanda Dean, vice-president, Ontario and Atlantic, IBC.
“As people continue to grapple with the damage caused by this storm, I want them to know Ontario’s insurers are here to help and will be there to support customers every step of the way.”
While many forms of storm-related damage are covered by standard homeowners insurance policies, some types of losses require additional coverage.
Sewer backup is only covered if optional insurance has been purchased, while overland flood protection, which applies to flooding from lakes and rivers, is also sold separately. Homeowners in high-risk flood zones may not be eligible for this coverage.
Ice damming, which occurs when melted snow refreezes and causes water to back up under a roof, is often considered an optional add-on. Power outages may also trigger coverage in certain cases, including compensation for spoiled food if a fridge or freezer fails due to an accidental power loss.
For those forced out of their homes due to insured damage, additional living expenses may be covered depending on the policy. This can include costs for temporary housing, food, and other necessary expenses while repairs are completed. Policyholders should review their policies or consult their insurance representative to confirm their level of coverage.
IBC also advised policyholders to contact their insurer as soon as possible.
Once it is safe to do so, homeowners should also document any damage, take photos, and keep receipts for repair and cleanup costs, the IBC said.
Proofs of purchase, receipts, and warranties for damaged belongings can help support a claim. Damaged items should be kept unless they pose a health risk.
Once a claim is filed, the insurer will assign a claims adjuster to assess the damage and determine coverage. Given the widespread impact of the storm, response times may vary.
In some cases, policyholders may be required to submit a Proof of Loss form, detailing damaged or lost property and its estimated value.
