
Winter Storms and Insurance: Are You Covered?
With our ever-changing climate, it seems like winter storms in Nova Scotia are even more unpredictable. And when a winter storm hits us hard, it can lead to property damage, power outages, and other unforeseen issues that may leave Nova Scotians wondering – am I covered?
Understanding your home and auto insurance coverage for extreme winter weather is essential for protecting your property and peace of mind. Let’s explore key coverage options to prepare you for the unexpected.
Home Insurance and Winter Storm Damage.
Standard home insurance policies typically cover many of the risks associated with winter storms. However, it’s essential to review your policy to understand the specifics of your coverage. Here are common scenarios where your home insurance may provide protection:
- Wind and Snow Damage: If high winds or heavy snow cause damage to your roof, siding, or other parts of your home, these repairs are generally covered. For instance, if a tree falls on your house due to a snowstorm, your policy will likely help pay for the removal and repairs.
- Burst Pipes: Freezing temperatures can cause water pipes to burst, resulting in significant water damage. Most home insurance policies cover this, but you also have responsibilities: you’re expected to take reasonable preventive measures, such as keeping your home heated and insulating exposed pipes. Read more about what’s covered in our Frozen Water Pipe Damage
- Ice Dams: When snow melts and refreezes at your roof’s edge, it can form ice dams, which may cause water to seep into your home. Coverage for this issue is typically included, but regular maintenance to clear your gutters can help avoid these situations altogether.
- Additional Living Expenses (ALE): If your home becomes uninhabitable due to winter storm damage, your policy may cover temporary living expenses, such as hotel stays or meals.
Flooding and Snowmelt: Separate Coverage Required.
One exception to your general coverage is flooding caused by melting snow, which is not typically covered under standard home insurance policies. To protect your property from this risk, you’ll need to purchase separate overland water insurance coverage. This additional coverage can be helpful given the unpredictability of winter weather, especially during a sudden thaw.
Insurance providers tend to make flooding insurance coverage complicated to understand. To learn more, read this helpful blog: What’s the Deal with Flooding Insurance in Canada?
Auto Insurance and Winter Weather.
Winter storms can also wreak havoc on vehicles. Here’s how your auto insurance policy might step in:
- Comprehensive Coverage: This optional coverage protects against damage caused by falling trees, ice, or other storm-related hazards. For example, if a branch damages your windshield or heavy snow causes your carport to collapse onto your vehicle, comprehensive coverage will likely cover the repairs.
- Collision Coverage: If you’re involved in an accident on icy roads, collision coverage will help pay for the damage to your vehicle, regardless of who’s at fault.
It’s worth noting that liability coverage alone won’t cover damage to your car—only damage you cause to others. Make sure your policy includes adequate coverage leading into the winter months.
Preventive Measures: A Key Part of Coverage.
Insurance policies often require homeowners to take reasonable steps to minimize risks. Neglecting essential winter maintenance could result in denied claims. Consider these tips:
- Clear snow and ice from walkways to prevent liability claims if someone slips and falls.
- Inspect and maintain your roof to handle heavy snow loads.
- Ensure your heating system is in good working order to prevent freezing pipes.
For more information, read our popular blog, Severe Weather Event and Storm Preparation Essentials. You might also want to check out our blog, Protecting Your Home Before, During and After a Power Outage and be sure to download our free Emergency Storm Kit Checklist.
How to Review and Update Your Insurance Policy.
Winter is a good time to revisit your insurance coverage. Speak with your insurance advisor to discuss the following:
- Understand Your Deductible: Know how much you’ll need to pay out-of-pocket before insurance kicks in for winter-related claims.
- Confirm Limits: Ensure your policy limits are adequate to cover potential repairs or replacements.
- Explore Add-Ons: Consider endorsements for specific risks, such as sewer backup coverage or higher limits for personal property.
Refer to our home insurance page for guidance and answers to frequently asked questions!
Winter storms are unpredictable, but your insurance coverage doesn’t have to be. By understanding your policy and taking proactive measures, you can confidently weather the storm. If you have questions about your coverage or want to ensure you’re fully protected this winter, contact one of our Bauld Insurance advisors for personalized advice on updating your policy. We’re here to help you safeguard what matters most.