Tornado in Ottawa ─ How Does this Affect You?

Tornado warnings have been a common sight and sound this Summer. If you’ve seen pictures or video of this natural disaster, you know tornadoes are no joke.  It can blow out windows, launch vehicles into the air, tear the roof off homes and severely damage the structural integrity of buildings. It does lead you to think, does your home policy cover you for damage caused by a tornado?

Am I Covered?

Damage to homes caused by hail or wind is generally covered. This includes damage caused by flying debris or falling branches. This would also generally include damage to your home and its contents when water enters through openings as a result of the wind or hail damage.

In certain circumstances, homeowners who are unable to live in their homes because of the insurable damage are entitled to additional living expenses.  This coverage would be found under a comprehensive homeowner’s policy, and is meant to respond in this type of event.

What Can You Do to Properly Plan for a Tornado?

Create an emergency preparedness plan with your family

Make sure each family member knows what to do and where to take shelter during a tornado. Take shelter and steer clear of windows. Stay indoors and head to the basement (or to a small main-floor room like a bathroom or closet, if you can’t get to the basement). Once you’re there, get as close to the ground as you can, and stay as far away from windows as possible.

Assemble an emergency supply kit

Have a 72-hour kit ready before the disaster strikes. Include things such as:

• A portable charger for your cell phone
• Cash
• A battery-powered radio
• A list of emergency contacts
• A first aid kit
• Bottled water
• Candles, matches, and a lighter
• A flashlight and extra batteries
• Blankets
• Non-perishable food (and pet food for pets)

Prepare your home

On-going maintenance to your home will reduce the risk of severe damage. You can also secure heavier objects such as patio furniture and garbage cans to avoid the risk of them becoming picked up by the high gusts of wind and damaging your property.

Contact your broker

It’s important to discuss your policy coverage and limitations with your broker before the disaster strikes. Our knowledgeable representatives act as advisors, and can give you helpful tips on how to protect your home before, during and after a natural disaster. For up to date information please visit our Emergency Tornado Information page. We will update the page as things change.

If you have any questions or concerns, please contact one of our knowledgeable brokers for more information.