Insurance Coverage & Wind Storm Tips
With our recent wind storm of 70 -100 km/h winds bringing down trees and creating power outages we all need to prepare and know what to do during these times.
In the event of power outage
- If safe to do so, turn off all tools, appliances and electronic equipment, and turn the thermostat(s) for the home heating system down to minimum to prevent damage from a power surge when power is restored.
- Don’t open the freezer or fridge unless it is absolutely necessary. A full freezer will keep food frozen for 24 to 36 hours if the door remains closed.
Insurance coverage
- Most home and business insurance policies will cover damage caused by wind, including broken windows and removal of debris.
- Auto policies cover wind damage if comprehensive coverage has been purchased.
- Homeowner’s and tenant’s policies usually provide coverage for additional living expenses if a home is uninhabitable resulting from an insured peril.
After a wind storm
- Secure openings to prevent further damage: board up broken windows, make any temporary repairs and place plastic sheeting to cover open gaps in walls and roofs.
- If your basement has been damaged by water or is flooded, do not enter unless it is absolutely safe to do so.
- Avoid direct contact with human waste, dirty water and electrical lines
- Turn off electrical power to the affected area if safe to do so
- Flooded appliances, electrical outlets, switch boxes or fuse-breaker panels should not be used until they have been checked by an electrician.
- To prevent a power surge, turn the thermostats up, wait a few minutes, then plug in the fridge and freezer back in. Wait 10-15 minutes before plugging other appliances back in.
- Check the food in your fridge and freezer for signs of spoilage. If in doubt, throw it out. Check the Food Safety website http://www.foodsafety.gov/keep/charts/refridg_food.html for details about specific foods
*tips compliments of Intact Insurance