Wind damage is a common cause of insurance claims across Canada. Here's what to do if your home is affected:
Ensure Safety First: Prioritize the safety of yourself, loved ones, and neighbours.
Document the Damage: Take photos and get professional assessments when safe to do so.
Contact Your Insurance: Reach out to your insurance company immediately.
Emergency Repairs - What You Need to Know
In emergency situations, immediate repairs might be necessary, even before an insurance adjuster visits. Such repairs should be temporary and necessary to prevent further damage. For instance, if a tree limb damages your roof, a professional could temporarily install a tarp to prevent water damage.
Power Outages and Your Coverage
Power outages are frequent after windstorms, but note that house insurance typically doesn't cover hotel stays unless a safety issue, such as live wires, makes your home unsafe. Some policies may cover food spoilage from prolonged outages, so review your policy and consult with your insurance professional.
Fallen Trees and Your Responsibilities
If a tree falls on your home, vehicle, or property, your insurance should cover the damage related to your property, regardless of tree ownership. The cost of removing the tree to access the damage is covered; however, complete tree removal costs are not.
Fences and Coverage Limitations
Damage to your fence is only covered for the specific area needing repair. Entire fence replacements to match aesthetics are not covered. If the fence is jointly owned with a neighbour, insurance will typically split the cost 50/50.
Proactive Measures Against Wind Damage
Secure outdoor items during high winds.
Park away from potential hazards like trees or hydro lines.
Regularly trim trees and inspect your roof for vulnerabilities.
Plan your home improvements with wind damage prevention in mind.
Stay proactive and maintain communication with your insurance provider to ensure comprehensive coverage. For any questions or assistance, contact us at 1-800-679-2640 or
info@easyinsure.ca.