Dealing with Insurance After a Severe Storm Hits Southern Ontario
As residents in southern Ontario recover from a recent destructive storm, understanding insurance coverage can be a daunting task.
Matt Hands, the vice president of insurance at Ratehub.ca, advises residents to review their insurance policies to determine whether their homes or vehicles are protected against storm-related damages.
While most standard home insurance policies typically cover damages caused by wind and hail, they may not include coverage for flooding. To safeguard against flood-related damages, homeowners should consider adding overland water and sewer backup coverage.
Auto insurance coverage varies as well, with comprehensive policies offering protection against flood, hail, and wind damage, while basic policies may not provide such coverage.
The storm that swept through the region on Wednesday brought strong winds, heavy rainfall exceeding 100 millimeters in some areas, power outages, and flooding, with reports of hail in certain locations.
Hands emphasizes the importance of documenting damages and promptly initiating an insurance claim to avoid potential delays due to a surge in claim filings following the storm.
This article was originally published by The Canadian Press on September 4, 2026.
