It’s hail season. Are you prepared?
Hail season, which generally runs through late Spring until September, can result during severe storms with hail, lightning, strong winds and heavy rain. They are unpredictable and can strike quickly with devastating results.
The Insurance Bureau of Canada (IBC) reminds us to be aware and take action to prepare for potentially damaging storms.
It’s a fact that the frequency, severity and cost of severe weather are on the rise all across Canada. Homes are being damaged more frequently by hail, heavy rainfall and strong winds, which makes it critical for people to know how to protect themselves and their property.
While hailstorms have had a serious impact in Alberta, in particular, because of its geography and weather patterns, Ontarians are not immune.
What’s your hail risk?
Visit the Institute for Catastrophic Loss Reduction (ICLR) to see the hail risk by region in Canada, and learn more ways to protect yourself and your property from damage.
If you own a car and/or home, talk to your insurance broker to ensure your policies are up to date and that they will serve your specific needs if a severe storm were to strike.
Damage to homes caused by hail or wind is usually covered under home insurance policies. This includes damage caused by flying debris or falling branches or trees, or damage to your home and contents from water entering through openings caused by wind or hail.
Damage to vehicles from wind, hail or water is usually covered if you have purchased comprehensive or all perils auto insurance. Check your policy, as this coverage isn’t mandatory.
Damage to mobile homes or trailers from hail or wind may be covered. Polices vary, so it’s best to check with your broker to confirm your coverage.
Tips for starting the claims process:
Contact your insurance broker to report your claim. Be as detailed as possible when providing information.
List all damaged or destroyed items. If possible, gather your proofs of purchase, photos, receipts and warranties. Take photos of damage and keep the 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 broker which 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. If anything is unclear, contact one the brokers or CSRs at DPM Insurance Group – your security is our responsibility.
Source: Insurance Bureau of Canada