15 Aug Does your insurance cover damage caused by severe winds?
It’s not always easy to know what one’s home insurance policy covers when it comes to events caused by Mother Nature.
If you suffered damages to your home caused by this summer’s recent severe windstorms, you probably wonder what will happen.
First, rest assured; severe winds are generally covered by your home insurance policy, whether you rent or own.
However, there is nothing better than contacting your broker or insurer to validate it.
Here are examples of damages and the protections necessary to allow you to be covered:
| Part of the roof and siding ripped off by high winds | Home insurance: Basic policy or “All risks” policy |
| Car damaged by flying debris | Car insurance: “All perils”, “All perils other than collision or upset”, or “Specified perils” coverage |
| Power outage causing the loss of your fridge and freezer contents | Home insurance: Usually up to a maximum of $1,000 (deductible) |
Additional living expenses will be payable only if your home was damaged and you were forced to leave the premises or you were ordered to evacuate by a civil authority.
Jackie Beaudoin, Leclerc Insurance and Financial Services
Source : InfoAssurance