FREDERICTON, July 23, 2013 /CNW/ - Insurance Bureau of Canada (IBC)
offers advice to residents of the Grand Lake region, and all New
Brunswickers, who may have insurance questions as they clean-up the
extensive damage caused by a tornado that struck the area on Saturday.
"This unusually severe storm in New Brunswick is another reminder that
weather patterns have changed. Events that used to happen every 40
years can now be expected to happen every six," says Amanda Dean,
Vice-President, Atlantic Region, IBC.
The tornado left a path of uprooted trees, damaged buildings, and
displaced vehicles from Whites Cove and Cambridge Narrows to Juniper;
popular cottage and agricultural areas of the province.
"It is absolutely critical to know how you can protect your family and
your home, and what your insurance policy covers in the event of an
emergency," says Dean, who encourages residents with insurance
questions to call IBC's Atlantic Consumer Information Centre at
1-800-565-7189 x 228.
Starting the recovery 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 Line at 1-800-565-7189 x 228.
Prevent further damage. If it's safe to do so, start cleaning up and protect your property
from further damage. Be sure to wear protective clothing during the
cleanup such as sturdy boots, gloves, a face mask, etc. Speak with your
insurance representative before making any non-urgent repairs.
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 have been displaced. Ask your insurance representative about
what expenses you are entitled to and for what period of time.
Review your policy to ensure you are familiar with specified deductibles, coverage limits
and exclusions. Talk to your insurance representative if anything is
Are you covered?
Talk to your insurance representative to make sure you understand your coverage. Damage to homes caused by
wind or hail 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 cars from wind, hail or water is typically covered if you have comprehensive or all-perils car insurance. This coverage is
not 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 backup coverage.
In certain circumstances, homeowners who are unable to live in their
homes because of insured damage are entitled to additional living expenses. Ask your insurance representative for more information.
Consumers who have general questions can contact IBC's Atlantic Consumer Information Centre at 1-800-565-7189 x. 228
For more information on getting prepared for tornados click here or take a look at our YouTube video on tornado preparedness:
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 x 4312