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Tuesday, December 06, 2022

Is my home or car covered by hurricane damage? In most cases yes, the insurance bureau says

Damage remains widespread in southern Ontario and Quebec, as a severe storm swept through the provinces over the weekend, leaving hundreds of thousands without power and killing at least 10 as of Monday afternoon.

As residents recover from debris and wait for their power to be restored, many may be wondering whether their homes and cars are covered in extreme weather conditions, such as those seen on Saturday.

Canadian Insurance Bureau says Wind damage is usually coveredBut asking an insurance representative to confirm what damages are covered by their policy.

Most people can expect their home insurance to cover damage caused by hail, wind, snow or rain, including flying debris, fallen branches or trees as well as lost material.

The bureau states that vehicle damage is usually covered if the driver’s auto insurance policy is comprehensive or includes optional all-risk coverage. Mobile homes or trailers may be covered, but policyholders should ask their insurance representative.

Meanwhile, anyone who is unable to stay in their home due to insurable damage can get additional coverage for living expenses.

The bureau says that when starting the claims process, be as detailed as possible when providing information, list all damaged and destroyed items, collect proof of purchase, photographs, receipts and warranties if possible, and displace Keep receipts for cleaning and living expenses.

after a cyclone

The storm is being described as a “derecho”, a type of rare, but powerful storm that creates “a long line of very active thunderstorms or microburst type conditions,” David Phillips, senior climatologist at Environment Canada, told Newstalk. 580 told CFRA’s Live With Andrew Pinsent. on Sunday.

Ottawa reported gusts of up to 120 km/h during the storm, while other locations saw even stronger winds.

Western University’s Northern Tornadoes Project surveyed locations in Uxbridge, Ont. and southern Ottawa on Sunday for potential tornado damage, A team is also investigating the damage in Rodan, Ky.

There may be a power outage for a few more days in some areas. Ottawa Mayor Jim Watson this week encouraged residents to work from home as cleanup continues.

Ottawa Public Health says food in a fridge typically lasts for about four to six hours during a power outage, as long as the door is closed. Ice bags can be used to help perishable items last longer.

However, after eight hours, the health unit says that dangerous foods such as meat, seafood, dairy, processed or chopped fruits and vegetables, and cooked rice and pasta should be thrown away if the fridge is cooled below 4 C. Cannot be put down.

A full upright or chest freezer will keep food frozen for up to 48 hours during a power failure, the health unit says, and about 24 hours in a half-full freezer.

Files from CTV News Ottawa Digital Multi-Skilled Journalists Ted Raymond and Josh Pringle as well as The Canadian Press

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