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 Brunswick.
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 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 1-800-565-7189. 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 representative.
- 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 backup coverage.
- 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 $46 billion.
If you require more information, IBC spokespeople are available to discuss the details in this media release.
SOURCE: Insurance Bureau of Canada
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