Wind Storm Coverage

Heavy Winds and tornadoes are among Canada’s worst natural disasters. Although windstorms can occur any time of the year, they are most prevalent between June to September. Damage from wind is usually covered by insurance but it is important that you take precautions to protect yourself.

Wind Storm - Common Disasters - Insurance Brokers Association of ManitobaWhat is a Wind Storm?

When wind exceeds 60-65 kilometers per hour, government agencies issue wind warnings. As wind reaches more than 90 kilometers per hour, it is classified as a wind storm. Blowing debris is common during wind storms and this can become a danger to people and property.

Protect Yourself – What to do before a storm?

  • The roof of your home or business is usually the hardest hit. To limit your damage, you should:
    • Ensure that roofing components (fascia, soffits, chimney caps, etc.) are securely fastened.
    • Periodically check that your roof is in good condition and repair any damage.
    • Make sure that seals around skylights, chimneys, vents, etc. are in good condition.
  • As rain tends to accompany wind storms, you can prevent water from entering your building by ensuring your gutters are working properly and downspouts are draining water away from your foundation.
  • Secure all outdoor items as they can turn into dangerous projectiles. This includes storing waste bins, patio furniture, barbeques and awnings.
  • Protect your vehicle by not parking near trees, street lights or power lines. If possible, park your vehicle in a garage.

How Insurance Can Help

Most home insurance policies will cover damages to your home in the event of a wind storm. This may include broken windows, damage to the siding, and roof damage. It could also cover losses to the home and its contents from water or snow entering though a sudden opening in the home caused by wind.

In the event of a homeowner needing to claim for damage, the insurance provider may account for depreciation to the home. This means that the age of damaged items, such as the roof and shingles, will be taken into consideration and may reduce their overall replacement value. Items such as siding and windows are usually covered for full replacement cost but you should check your policy with a licensed insurance broker. In certain circumstances, homeowners who are unable to live in their home due to the damage incurred, may be entitled to additional living expenses.

Tips for Starting a Claim

  • Call your insurance broker. Many insurers and brokers have 24-hour claims services to take your information and start the claim process. Be sure to be as detailed as possible when providing information.
  • Begin by making a list of all the damaged or destroyed items. If you are able, assemble any proofs of purchase, photos, receipts and warranties that you have for the damaged items. Take photographs of the damaged items which show the damage incurred and keep the item unless it poses a health hazard.
  • Keep all receipts related to cleanup and securing your property. You should be taking steps to prevent further damage to your home which may include installing tarps over holes made to the structure or removing tree limbs that could cause additional damage.
  • You may also be entitled to living expenses if you are displaced. Ask your insurance broker about what expenses you may be entitled to and for how long.

For more information on what coverage for a wind storm is available to you or to purchase insurance on your property, please speak with your local independent insurance broker. A list of brokerages can be found at ibam.mb.ca/find-a-broker/.

To learn how to prepare for emergencies in Manitoba, contact the Manitoba Emergencies Measures Organization.


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