The summer was warm, hot and dry but fall on the west coast is anything but. Our wet and windy fall and winter can result in unanticipated damages. Insurance policies aren’t maintenance policies and a little preparation before the storms hit can make all the difference.

• trim trees on your property and remove dead branches before the wind storms begin – or alert the city to issues if the trees are not on your property
• clean out gutters and nearby drains
• winterize irrigation systems and any outside taps that run the risk of having pipes freeze

The right coverage makes a difference, check to make sure your policy covers:

• damage to homes caused by flying debris or falling branches or trees, or damage to your home and its contents from water entering through openings caused by wind.
• damage to cars from wind, hail or water, typically only covered if you have purchased comprehensive or all perils coverage auto insurance
• water damage in a basement due to a sewer backup is covered only if you have bought specific sewer backup coverage.
• in certain circumstances, homeowners unable to return home due to insurable damage are covered for additional living expense
• be aware – overflowing rivers or lakes and storm surges that result in water entering a home are seldom covered.

With the right preparation, you’ll be able to cozy up with a hot chocolate, warm blanket and good book, secure that everything is looked after. Keep up to date with weather alerts from Environment Canada.

Information courtesy of the Insurance Bureau of Canada