Home Insurance in Crisis Situations


“If a fire, flood or other natural disaster damages your property, contact your insurance representative as soon as it is safe to do so. Immediately record – on paper and take photos – as many details as you can without endangering your personal safety.


From floods to ice storms and hurricanes, Canadians are quickly learning that no season is safe and a crisis can happen at any time. The most alarming discovery is that most people are unprepared for an emergency or crisis, particularly when it comes to their home insurance.”

Home insurance covers damage from wind. This applies to damage to the outside of a building (except for antennas, satellite dishes, etc.). The interior of a building and its contents are covered only if the storm has first created an opening in the building (e.g., a broken window or damaged roof) through which the storm could enter.

​If the roof was already in a state of disrepair, insurance may not cover the damage.