What are the odds of being hit by a tornado in Canada? Well, believe it or not, tornadoes occur fairly frequently in various parts of the country. Annually, Canada has about 80 tornadoes reported. Tornadoes happen in Canada more than any other country, other than the United States. A tornado is possible if the right weather conditions are present, no matter the location, but mostly in Canada they happen in Ontario, Saskatchewan, Alberta, and Manitoba. BC's central interior is actually officially designated to be a tornado zone.
Take the necessary steps to have adequate home insurance. Damage caused by tornadoes is considered "wind damage" and is covered under most Canadian home insurance policies. Look at the list of covered perils if you have a named-perils policy form, to find out if you have coverage for wind damage. If you have a comprehensive policy form, you're covered for all risks subject to a number of exclusions. All you have to do is look under the list of exclusions to see if wind is excluded. Chances are it's covered.
There are other kinds of damage that can be caused by a tornado, and most of the following are covered:
Broken windows; damage caused by trees falling on your home; water damages that are caused by broken windows or a damaged roof; sewer backup damages; also,
if you need to live elsewhere while repairs are made on your home, living expenses will be covered.
Check to see what kind of deductibles you have. Often policies have more than one deductible, for instance, a general deductible, a lower glass deductible, and possibly a separate deductible for earthquake. Damage caused by a tornado, would be subject to the general policy deductible. Some policies could have a separate wind damage deductible, so check your policy declaration page so you know for sure.
Policies in Canada generally protect against hail, windstorm, tornado, and lightning damages to detached structures like sheds, gazebos, and garages, as well as the home. Generally, bushes, trees, satellite dishes and antennas are not covered, as they are outside of the home.
Protection Tips
There are practical ways to get your home ready for a tornado such as installing impact-resistant windows and anchoring heavy items that could become flying debris. Items such as patio furniture and garbage cans should be secured to avoid becoming high-speed projectiles.
Make sure each family member knows what to do and where to take shelter during a tornado, whether at home, work or school. If you don't have an underground storm shelter at home, go to the lowest, most central room - preferably a cellar or basement. Do not take shelter near windows.
To prepare for a major storm, keep an emergency kit ready that is good for at least 72 hours. It should include: water, non-perishable foods, battery-powered radio, flashlight, extra batteries, first aid kit, sturdy shoes for each family member, identification, cash and if required, prescription medications.
Be sure you are fully protected, so speak to your insurance provider as soon as possible to ensure proper coverage. If the worst happens, and a tornado hits your area, your home insurance policy will give you the coverage you need to get your home back.
Take the necessary steps to have adequate home insurance. Damage caused by tornadoes is considered "wind damage" and is covered under most Canadian home insurance policies. Look at the list of covered perils if you have a named-perils policy form, to find out if you have coverage for wind damage. If you have a comprehensive policy form, you're covered for all risks subject to a number of exclusions. All you have to do is look under the list of exclusions to see if wind is excluded. Chances are it's covered.
There are other kinds of damage that can be caused by a tornado, and most of the following are covered:
Broken windows; damage caused by trees falling on your home; water damages that are caused by broken windows or a damaged roof; sewer backup damages; also,
if you need to live elsewhere while repairs are made on your home, living expenses will be covered.
Check to see what kind of deductibles you have. Often policies have more than one deductible, for instance, a general deductible, a lower glass deductible, and possibly a separate deductible for earthquake. Damage caused by a tornado, would be subject to the general policy deductible. Some policies could have a separate wind damage deductible, so check your policy declaration page so you know for sure.
Policies in Canada generally protect against hail, windstorm, tornado, and lightning damages to detached structures like sheds, gazebos, and garages, as well as the home. Generally, bushes, trees, satellite dishes and antennas are not covered, as they are outside of the home.
Protection Tips
There are practical ways to get your home ready for a tornado such as installing impact-resistant windows and anchoring heavy items that could become flying debris. Items such as patio furniture and garbage cans should be secured to avoid becoming high-speed projectiles.
Make sure each family member knows what to do and where to take shelter during a tornado, whether at home, work or school. If you don't have an underground storm shelter at home, go to the lowest, most central room - preferably a cellar or basement. Do not take shelter near windows.
To prepare for a major storm, keep an emergency kit ready that is good for at least 72 hours. It should include: water, non-perishable foods, battery-powered radio, flashlight, extra batteries, first aid kit, sturdy shoes for each family member, identification, cash and if required, prescription medications.
Be sure you are fully protected, so speak to your insurance provider as soon as possible to ensure proper coverage. If the worst happens, and a tornado hits your area, your home insurance policy will give you the coverage you need to get your home back.
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