What Insurance Covers Hurricanes?UncategorizedSeptember 25, 2019 We have seen the problems hurricanes can cause. In the last few years alone, numerous of them have struck the United States. The latest is Hurricane Dorian, which is currently climbing along the Eastern seaboard after slamming into the Bahamas and Atlantic Canada. From hurricanes like Katrina onward, these storms have proliferated in the past decade, to the point where people now accept that these weather events are going to be the new normal in our lives. What this means is that it’s important for homeowners and business owners to understand the water damage and flood coverage you need to be properly insured. The Insurance Bureau of Canada says that damage caused by hurricanes and other types of events are normally covered by home insurance policies, with the exception of overland flooding. However, if your property is damaged, it is important to document any damages and check with your insurance representative as soon as possible. So are you covered for hurricanes? According to Wawanesa Insurance, it’s important to pay attention to these points: Damage to homes caused by rain or wind is generally covered, including damage caused by flying debris or falling branches, trees or damage to your home when water enters through openings caused by high winds.Damage to mobile homes or trailers from wind may be covered, but coverage under policies may varyDamage to cars from wind or water is typically covered if you have comprehensive or all perils car insurance, but this coverage isn’t mandatory.In general, overland flooding is not covered by home insurance. Damage caused by water is generally only covered in certain specific circumstances (for example, if the damage is caused by a sudden and accidental release from a water main or indoor plumbing).Water damage from a sewer backup is covered only if you have sewer backup coverage.In certain circumstances, homeowners who are unable to live in their homes because of insurable damage are entitled to additional living expenses. These are important considerations to think over when it comes to whether you have insurance coverage for your home or business during hurricanes or other significant weather events. Please call Pacific Insurance at 416-494-1268 and ask one of our seasoned and experienced insurance professionals.