After a severe storm swept through southern Ontario and Quebec over the weekend, leaving hundreds of thousands without power and killing at least 10 people as of Monday afternoon, many residents are wondering whether their homes and cars are covered by insurance.
The Insurance Bureau of Canada says damage from wind is usually covered, but to ask an insurance representative to confirm what losses are included in their policy.

Most people can expect their home insurance to cover damage caused by hail, wind, snow or rain, including flying debris, falling branches or trees, as well as any contents that may become lost.
Vehicle damage is usually covered if a driver’s auto insurance policy is comprehensive or includes optional all risk coverage, the bureau says. Mobile homes or trailers may be covered, but policyholders should ask their insurance representative.
Meanwhile, anyone who is unable to live in their home because of insurable damage may receive additional coverage for living expenses.
The bureau says when starting a claim process, be as detailed as possible when providing information, list all damages and destroyed items, gather proof of purchase, photos, receipts and warranties if able, and keep receipts for cleanup and living expenses if displaced.
Read more: How to Protect the Home from Storms?
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