Windstorm Recovery Tips from Insurance Bureau of Canada

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TORONTO – The major windstorm that over the past twenty-four hours has hammered southern Ontario is leaving a legacy of damage in its wake. For many, that damage will end up being repaired by insurance coverage.

In the aftermath of the recent Ontario windstorm, Insurance Bureau of Canada (IBC) is reaching out with tips and advice for those who have been affected.

“We know there is damage across the region, and a lot of families have had their lives disrupted.  When you are able to call, your insurer is ready to hear the details of your claim,” said Kim Donaldson, Vice-President, Ontario, IBC.

What insurance covers
Most home, car and business insurance policies cover damage caused by a windstorm. Your insurance representative is at the ready to clarify the details of your policies.

The claims process
If you have been affected by the storm, when it is safe to do so, take the following steps:

  • Assess and document the damage. Taking photos can be helpful.
  • Call your insurance representative and/or company.
  • List all damaged or destroyed items.
  • If possible, assemble proofs of purchase, photos, receipts and warranties. Keep damaged items unless they pose a health hazard.
  • If you have to move out of your home because of insured damage, check with your insurance representative about whether your policy includes additional living expenses coverage, which may cover your costs if you have to move into a hotel or motel.

Next steps

  • Once you have reported a loss, you will be assigned a claims adjuster.
  • The claims adjuster will investigate the circumstances of the loss, examine the documents you provide and explain the process. Take notes during these conversations and don’t be afraid to ask questions.

Resources
Anyone with questions should contact their insurance representative or, for general information, contact IBC’s Consumer Information Centre at 1-844-2ask-IBC.

Additional resources
IBC.ca – Severe Weather
IBC.ca – What to Do After Disaster Strikes