Home Insurance Coverage

The impact of freezing rain during Ontario winters is usually seen in a number of ways. From downed power lines to fallen tree branches and icy roads, dealing with this difficult type of storm often leaves everyone with some type of cleanup tasks. Even though you may be expecting one or more freezing rain storms during the winter season, would you know if you have home insurance that would cover any damages associated with this weather event? Here are a few important things you should know:

  • Home insurance policies do not typically cover losses caused by freezing rain during the standard heating season.
  • If a homeowner has been away from their home for more than four consecutive days and experienced a loss in a heated portion of their home due to freezing rain, they must have taken at least one of the following steps for coverage:
    • Arranged for a friend, neighbour or other competent person to check the home daily
    • Shut off the water supply and drain all pipes and domestic water containers
    • Have the plumbing and heating system connected to a monitored alarm system

If you find that you’ve experienced a power outage due to a freezing rain storm, here are a few important steps you can take once power is restored:

  • If your basement has flooded, do not enter unless it is absolutely safe to do so.
  • Have an electrician check any flooded appliances, electrical outlets, switch boxes or fuse-breaker panels before use.
  • Turn off the fuel to the standby heating unit and replace the furnace flue if it was removed.
  • Turn the thermostats up and wait 10-15 minutes before plugging in the fridge, freezer and other appliances.
  • Turn on water supply.
  • Check the food in your refrigerator for signs of spoilage. If in doubt, throw it out.

And, as always, our team at Noble Insurance is available to discuss your home insurance and to help you determine which coverage options are right for you. Contact us today to get started.