Common Home Insurance Claims in Nova Scotia (And How to Avoid Them)

Nova Scotia offers unmatched advantages—coastal views, charming homes, and a welcoming community. But like anywhere, homeowners here face their share of risks. From wild Atlantic storms to frozen pipes, some types of home insurance claims are far more common than others. Knowing what these are for your local area—and how to prevent them—can help you avoid costly damage and keep your premiums in check.

1. Water Damage (Especially from Burst Pipes and Leaks)

Water damage is one of the leading causes of home insurance claims in Nova Scotia. Whether from burst pipes during winter, leaky roofs, or basement flooding, water can cause extensive (and expensive) harm.

How to Avoid It:

• Winterize Your Pipes: Insulate exposed pipes, especially in basements, attics, and exterior walls. When temperatures drop, keep your thermostat at a steady temperature—even when you’re away. More details on frozen water pipe damage are available in our previous blog.
• Install a Sump Pump & Backwater Valve: These systems can help manage basement flooding during heavy rains or snowmelt.
• Regular Inspections: Check your roof, appliances, and plumbing annually to catch leaks before they worsen.

2. Wind and Storm Damage

Atlantic Canada is no stranger to high winds, hurricanes, and nor’easters. These storms can damage roofs, knock over trees, and hurl debris into homes. With extreme weather events making water damage more common, it’s essential to determine how your insurance policy would respond to a storm damage claim. To learn more about this important home insurance coverage, read: What’s the Deal with Flood Insurance in Canada?

How to Avoid It:

• Trim Trees: Keep branches away from your home to prevent them from falling during storms.
• Secure Outdoor Items: Patio furniture, garbage bins, and planters can become projectiles. Store them safely or tie them down before storms hit.
• Check Your Roof: Ensure shingles are secure and replace any missing or damaged.

3. Fire and Smoke Damage

Although less frequent, fires can cause devastating losses, often leading to the most significant insurance claims.

How to Avoid It:

• Install Smoke Alarms: Have working smoke detectors on every floor and test them monthly.
• Inspect Chimneys and Woodstoves: Have them professionally cleaned and inspected annually if you use them regularly.
• Practice Safe Cooking: Never leave food unattended on the stove, and avoid overloading electrical outlets.

4. Theft and Vandalism

Break-ins and vandalism can happen in any neighbourhood, urban or rural. These claims often involve stolen electronics, jewelry, or personal items.

How to Avoid It:

• Install a Security System: Even basic cameras or smart doorbells can deter burglars.
• Keep Valuables Out of Sight: Don’t leave high-value items near windows, and avoid posting vacations on social media until you return.
• Lock It Up: Ensure all doors and windows are locked—even when you’re home.

5. Liability Claims (Injuries on Your Property)

If someone slips on your icy steps or your dog bites a delivery person, you could be held legally responsible for their injuries or property damage.

How to Avoid It:

• Clear Snow and Ice Promptly: Shovel walkways and use salt or sand during the winter months.
• Maintain Your Property: Repair uneven walkways, loose railings, and poor lighting around your home.
• Be a Responsible Pet Owner: Keep pets secured and ensure they’re well-aclamated.

While you can’t eliminate every risk, many common home insurance claims in Nova Scotia are preventable with routine maintenance and foresight. At Bauld Insurance, we’re here to help you understand your policy and keep you covered no matter what life (or the weather) brings. Contact us today If you’re unsure whether your current home insurance offers the proper protection.