HALIFAX, Nov. 27, 2013 /CNW/ - A severe weather system that is tracking
across Atlantic Canada has the potential for high winds and heavy rain
that could possibly result in flooding, wind damage, and power outages.
Parts of Newfoundland are calling for up to 160km/h wind gusts and the
rest of the region could see winds of 100km/h and rain, and snow in New
Insurance Bureau of Canada (IBC) reminds consumers that potential damage
caused by these types of events are normally covered by home insurance
policies with the exception of overland flooding and it is important to
document damages and check with your insurance representative as soon
as damage occurs to your property.
Amanda Dean, IBC Vice-President, Atlantic Canada says, "We have seen
many storms in 2013 that have caused a great deal of damage right
across Canada. If you suffer any damages from today's storm, we want
to help you get life back to normal as soon as possible. IBC offers
some insurance advice to help the claims process go as smoothly as
Starting the process
Call your insurance representative and/or company. Most insurers have
24-hour claims service. Be as detailed as possible when providing
information. If you need help getting in touch with your insurer,
contact IBC's Consumer Information Centre at 1-800-565-7189. Ext: 228
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 if you've been
displaced. Ask your insurance representative about what expenses you're
entitled to and for what period of time.
Review your policy to ensure you are familiar with specified
deductibles, coverage limits and replacement values. Talk to your
insurance representative if anything is unclear.
Are you covered?
Damage to homes caused by snow, rain or wind is generally covered. This
includes damage caused by flying debris or falling branches or trees,
or damage to your home and its contents when water or snow enters
through openings caused by high winds.
Damage to mobile homes or trailers may be covered from wind damage,
policy wordings vary so it's best to check with your insurance
Damage to cars from wind or water is typically covered if you have
comprehensive or all-perils car insurance. This coverage isn't
mandatory so check your policy.
In general, overland flooding is not covered by home insurance. Damage
caused by water is generally only covered in certain specific
circumstances (for example, if the damage is caused by a sudden and
accidental release from a water main or inside plumbing).
Water damage from a sewer backup is only covered if you have sewer
In certain circumstances, homeowners who are unable to live in their
homes because of insurable damage are entitled to additional living
expenses. Ask your insurance representative for more information.
About Insurance Bureau of Canada
Insurance Bureau of Canada is the national industry association
representing Canada's private home, car and business insurers. Its
member companies represent 90% of the property and casualty (P&C)
insurance market in Canada. The P&C insurance industry employs over
118,600 Canadians, pays more than $7 billion in taxes to the federal,
provincial and municipal governments, and has a total premium base of
To view media releases and other information, visit the media section of
IBC's website at www.ibc.ca. Follow IBC on Twitter @InsuranceBureau or like us on Facebook.
If you require more information, IBC spokespeople are available to
discuss the details in this media release.
SOURCE: Insurance Bureau of Canada
For further information:
To schedule an interview, please contact:
Media Relations Officer
Insurance Bureau of Canada
416-362-2031 ext. 4312