WINNIPEG, July 16, 2013 /CNW/ - After a severe storm that likely
included a tornado hit southwestern Manitoba on Saturday causing
extensive damage to many homes, IBC offers insurance advice for
Bill Adams, IBC Vice-President, Western & Pacific Region says, "Our
deepest sympathy goes out to the families affected by Saturday's severe
storm in southwestern Manitoba. As residents begin to cleanup and
recover from the storm that left behind many damaged homes and
vehicles, we want to help people get life back to normal as soon as
possible. IBC offers some insurance advice to help the claims process
go as smoothly as possible."
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 1-877-772-3777.
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 hail 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 enters through
openings caused by wind or hail.
Damage to mobile homes or trailers may be covered from wind or hail
damage, policy wordings vary so it's best to check with your insurance
Damage to cars from wind, hail 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, 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.
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SOURCE: INSURANCE BUREAU OF CANADA
For further information:
If you require more information, IBC spokespeople are available to discuss the details in this media release.
To schedule an interview, please contact:
Media Relations Officer
Insurance Bureau of Canada
416-362-2031 x 4312