Emergency Preparedness

Forecast Wet and Windy

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

Spreading Like Wildfire

fire insuranceIronically, despite the saying, the one thing you don’t want spreading is an actual wildfire. Here are a few things you can do to protect our wilderness and the nearby homes:

  • obey all fire restrictions from campfires to outside fire pots – never leave a fire unattended inside or outdoors;
  • keep your yard well-mowed, clean of needles, underbrush and prune low branches to at least 2.5 metres above the ground;
  • woodpiles and other flammable material should be at least 10m (uphill not downhill) from your home;
  • ensure your family or employees know the evacuation routes, where fire extinguishers, hoses or shovels are located for minor fires;
  • plan ahead, in your home or office make sure in an emergency there are at least two ways out;
  • and, keep an inventory or video of all your belongings in a fireproof container alone with other important documents. There is always the pre-employment screening for new hires and know if they hire the right candidates.

Check your insurance policy now to ensure it adequately covers all belongings, property and buildings against fire damage. As fire insurance is readily available in B.C., provincial disaster financial assistance does not apply to fire damage. Click here for more info on wildfires and tips from Emergency Management BC on fire safety.

Emergency Preparedness

Listed below are some links to help guide for additional information regarding the different types of insurance and helpful tips such as protecting your home, insuring your automobile and emergency preparedness


Insurance Broker Victoria BC


Emergency Preparedness

Emergency Management Planning in B.C.

Multi-agency hazard plans for B.C. are prepared and updated regularly by Emergency Management BC to ensure an effective strategy is in place to address many possible types of emergencies and disasters. These plans foster cooperation among multiple organizations focusing on public safety, infrastructure and property protection and managing the aftermath of events.
For more information about provincial hazard planning click here…


Emergency Preparedness for Your Family

Each year, thousands of people face emergency situations that could change their lives forever. Don’t be caught off-guard. Know the hazards in your area and take the time to assemble your family emergency kit.

During an emergency, you and your family could be on your own for an extended period of time. Emergency services may not be readily available, as increasing demands are placed on responders. It may take emergency workers some time to get to you as they help those in most critical need. As well, access to phones, gas, water, sewer and electrical services may be cut off. Learn More…