It's Hail Season. Are You Prepared?

Hail season generally runs until September in the Prairie provinces. Severe storms with hail, lightning, strong winds and heavy rain are unpredictable and can strike quickly with devastating results. Insurance Bureau of Canada (IBC) reminds us to be aware and take action to prepare for potentially damaging storms.

What's your hail risk?

If you own a car and/or home, talk to our advisors to ensure your policies are up to date and that they will serve your specific needs if a severe storm were to strike.

• Damage to homes caused by hail or wind is usually covered under home insurance policies. This includes damage caused by flying debris or falling branches or trees or damage to your home and contents from water entering through openings caused by wind or hail. 
• Damage to vehicles from wind, hail or water is usually covered if you have purchased comprehensive or all perils auto insurance. Check your policy, as this coverage isn't mandatory.
• Damage to mobile homes or trailers from hail or wind may be covered. Policies vary, so it’s best to check with your broker to confirm your coverage.

 

Tips for starting the claims process:

• Contact your Advisor to report your claim. Be as detailed as possible when providing information. You may also submit a home or auto claim online.
• List all damaged or destroyed items. If possible, gather your proofs of purchase, photos, receipts, and warranties. Take pictures of the damage and keep the 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 broker which expenses you’re entitled to and for what period of time.
• Review your policy to ensure you are familiar with specified deductibles, coverage limits and replacement values.

Credits:

Insurance Bureau of Canada Insurance Bureau of Canada...