Winter Storm Aftermath: How to Protect Your Property and Liability

Toronto and the GTA have just experienced the largest one week snowfall in nearly two years, with more than 50cm blanketing the region. This extreme weather event has caused transit disruptions, hazardous driving conditions, and increased risks to homes, seasonal properties, and outdoor activities.

As an insurance brokerage serving the GTA and all of Ontario, we want to help our clients safeguard their homes, vehicles, and personal liability. Here are key protection tips to minimize risks and ensure your insurance coverage is up to date.

Protecting Your Home from Snow Damage

Heavy snowfall and fluctuating temperatures can lead to costly home damages. Take these preventive steps:

Clear Snow from Your Roof: Accumulated snow can lead to ice dams and potential roof collapses. Use a roof rake or hire professionals for safe removal.
Prevent Ice Dams: Ensure proper attic insulation and ventilation to avoid ice buildup, which can cause water damage inside your home.
Shovel Pathways and Entrances: Keep walkways clear to prevent slips and falls, which could lead to liability claims.
Monitor Your Pipes: Freezing temperatures can burst pipes, causing significant water damage. Insulate pipes in unheated areas and leave taps slightly open during extreme cold.
Check for Carbon Monoxide Risks: Blocked vents from snow can lead to carbon monoxide buildup. Keep exhaust vents clear and test detectors regularly.

Seasonal Property Protection

If you own a cottage or seasonal home, ensure it’s safe during winter:

Schedule Property Inspections: If possible, visit your property or arrange for a caretaker to check for snow-related damages.
Reinforce Structures: Ensure outbuildings like sheds and docks can withstand heavy snow loads.
Shut Off Water Supply: If the property is unoccupied, turn off the water to prevent frozen pipe damage.

Vehicle Safety After Heavy Snowfall

With many cars getting stuck and highways experiencing dangerous conditions, follow these tips:

Drive Only When Necessary: Roads remain slick, and snow removal efforts are ongoing. Avoid travel unless essential.
Equip Your Vehicle: Winter tires, emergency kits, and proper windshield fluid are must-haves. Keep a shovel and sand or kitty litter in your trunk for traction.
Watch for Black Ice: Even when roads look clear, hidden ice patches pose a serious risk. Drive cautiously and increase stopping distance.
Check for Snow Buildup on Your Car: Clear snow from your roof, windows, and headlights before driving to avoid fines and accidents.

Outdoor Activity Liability Protection

Winter sports and outdoor activities are fun but come with increased liability risks:

Maintain Safe Walkways: If someone slips on your property, you could be liable. Regularly apply sand or salt to icy areas.
Use Caution with Snowmobiles and ATVs: Ensure they are insured, follow designated trails, and never operate under the influence.
Secure Equipment: Trampolines, outdoor furniture, and decorations can become hazardous in high winds or heavy snow. Secure or store them away.

Review Your Insurance Coverage

After a major snowfall, review your policies to ensure you’re adequately protected:

Home Insurance: Covers damages from snow, ice, and burst pipes, but some exclusions may apply. Check if your policy includes flood protection for melting snow.
Auto Insurance: Comprehensive coverage can help with damages from winter-related accidents. Ensure your policy is up to date.
Liability Coverage: Personal liability insurance protects you if someone is injured on your property due to snow and ice.

If you have concerns about your coverage or need to update your policy, contact us today. Staying proactive can save you from unexpected financial losses this winter.

Stay safe and have fun!