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 for details about specific foods



*tips compliments of Intact Insurance