Heavy rains to hit Atlantic Canada: IBC issues flood prevention tips

HALIFAX, Sept. 30, 2015 /CNW/ – Environment Canada has issued a major storm warning for Atlantic Canada. The storm could bring over 100 millimetres of rain to parts of Atlantic Canada.

Insurance Bureau of Canada (IBC) warns that this volume of rain could result in localized and flash flooding. “Storms of this magnitude can have devastating impacts on communities and properties. Individuals and families can prepare by taking simple precautions before storms strike,” said Amanda Dean, Vice-President, Atlantic.

Preventative steps

  • Assemble an emergency kit – flashlight and batteries, battery-operated radio, etc.
  • Move valuable items from your basement to higher levels in your home.
  • Clear and adjust eavestroughs and downspouts – if safe to do so – to direct water away from your home.
  • Ask someone to check your property if you are away.

Coverage

  • Damage to homes caused by rain and wind is usually covered. This includes damage caused by flying debris or falling branches or trees, or damage to your home and its contents when water enters through openings caused by high winds.
  • Damage to mobile homes or trailers may be covered for wind damage. Policy wordings vary, so check with your insurance representative.
  • Damage to vehicles from wind or water is usually covered if you have comprehensive or all-perils car insurance. This coverage isn’t mandatory, so check your policy.
  • Overland flooding (overflowing rivers or lakes) coverage is not offered under most home insurance policies.
  • Water damage from a sewer backup may be covered by home insurance if the coverage was purchased as an add-on to the home insurance policy. Check with your insurance representative to see if you have this type of coverage and, if so, how much coverage you purchased.

Starting the insurance process

  • Call your insurance representative and/or company.
    • Most insurers have 24-hour claims service. Be as detailed as possible when providing information.
    • For further information, contact IBC’s Consumer Information Centre at 1-844-2ask-IBC (1-844-227-5422 ext. 228) or 902-240-6931 which will be operating around the clock.
  • List all damaged or destroyed items.
    • If possible, assemble proofs of purchase, photos, receipts and warranties. Take photos of damage incurred and keep damaged items, unless they pose a health hazard.
  • Keep all receipts related to cleanup and living expenses if you’ve been displaced.
    • Ask your insurance representative about what expenses you’re entitled to and for what period of time.
  • Review your policy to ensure you are familiar with any deductibles, coverage limits and replacement values. Talk to your insurance representative if anything is unclear.

About Insurance Bureau of Canada

Insurance Bureau of Canada (IBC) is the national industry association representing Canada’s private home, auto and business insurers. Its member companies make up 90% of the property and casualty (P&C) insurance market in Canada. For more than 50 years, IBC has worked with governments across the country to help make affordable home, auto and business insurance available for all Canadians. IBC supports the vision of consumers and governments trusting, valuing and supporting the private P&C insurance industry. It champions key issues and helps educate consumers on how best to protect their homes, cars, businesses and properties.

P&C insurance touches the lives of nearly every Canadian and plays a critical role in keeping businesses safe and the Canadian economy strong. It employs more than 118,000 Canadians, pays $6.7 billion in taxes and has a total premium base of $48 billion.

For media releases and more information, visit IBC’s Media Centre at www.ibc.ca.  If you have a question about home, auto or business insurance, contact IBC’s Consumer Information Centre at 1-844-2ask-IBC.

If you require more information, IBC spokespeople are available to discuss the details in this media release.

SOURCE Insurance Bureau of Canada

For further information: To schedule an interview, please contact: Celyeste Power, Manager, Media Relations, 416-362-2031 ext. 4312, 647-384-9872, cpower@ibc.ca

RELATED LINKS
http://www.ibc.ca

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Prairie storm in June tops $45 million in insured damage

EDMONTON, July 16, 2015 /CNW/ – Insurance Bureau of Canada (IBC) reports that the hail and windstorms that swept across parts of Alberta, Saskatchewan and Manitoba on June 12 caused more than $45 million in insured damage, according to the preliminary estimate by Catastrophe Indices and Quantification Inc. (CatIQ)*.

The storms brought wind gusting as strong as 116 kilometres per hour, with hail up to 6 centimetres in diameter reported throughout Medicine Hat and surrounding areas. The storm also knocked down and damaged many trees in the area. As many as 4,000 people lost power. Similar to Alberta, Saskatchewan experienced up to 6-centimetre diameter hail, powerful winds and heavy rain. The most significant damage occurred across southern Saskatchewan, in an area from Fox Valley, near the Alberta border, to Carlyle and Storthoaks in the province’s far southeast.  Claims were also reported in Manitoba, south of Moose Jaw Saskatchewan, around Lafleche and Assiniboia, and extending eastward to Crane Valley, Ogema, Radville and Pangman.

The majority of claims reported were the result of hail damage to vehicles, residences and commercial buildings.

“We have seen firsthand that, year after year, severe weather events continue to take their toll on Canadians and communities right across the country,” said Bill Adams, Vice-President, Western and Pacific, IBC. “In 2014, weather-related damage in the Prairies alone resulted in more than half a billion dollars in insured losses. The insurance industry continues to speak to all levels of government about the need to continue investing in infrastructure to make communities more resilient to increasingly frequent and severe weather events.”

Insurers continue to provide individual consumers with advice and counsel them on the need to better understand their risks and take action to reduce their vulnerability to property damage. Before storms hit, consumers should proactively contact their insurance representatives for information about their policies and what types of coverage are best suited to their individual circumstances. For more information about home, car or business insurance, phone IBC’s Consumer Information Centre at 1-844-2ask-IBC (1‑844‑227‑5422) or visit www.ibc.ca.

* CatIQ compiles and combines comprehensive insured loss amounts and related information to serve the risk management needs of the insurance and reinsurance industries.

About Insurance Bureau of Canada
Insurance Bureau of Canada (IBC) is the national industry association representing Canada’s private home, auto and business insurers. Its member companies make up 90% of the property and casualty (P&C) insurance market inCanada. For more than 50 years, IBC has worked with governments across the country to help make affordable home, auto and business insurance available for all Canadians. IBC supports the vision of consumers and governments trusting, valuing and supporting the private P&C insurance industry. It champions key issues and helps educate consumers on how best to protect their homes, cars, businesses and properties.

P&C insurance touches the lives of nearly every Canadian and plays a critical role in keeping businesses safe and the Canadian economy strong. It employs more than 118,000 Canadians, pays $6.7 billion in taxes and has a total premium base of $48 billion.

If you have a question about home, auto or business insurance, contact IBC’s Consumer Information Centre at 1-844-2ask-IBC.

If you require more information, IBC spokespeople are available to discuss the details in this media release.

SOURCE Insurance Bureau of Canada

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