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. On average, 80 tornadoes touch down in Canada each year. After the United States, Canada is the second most likely country to be hit by tornadoes. If the weather is suitable for a tornado, it can happen in any province, but most of them happen in Ontario, Manitoba, Saskatchewan and Alberta. Even the interior of BC is considered a "tornado zone".
Take the necessary steps to have adequate home insurance. Insurance providers generally protect against tornado damage which is included in the wind damage part of the policy. For named-perils policies, there is a list of what perils are covered, so go through it and be sure that wind damage is included in your coverage. 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. Wind damage will usually be covered.
There are other kinds of damage that can be caused by a tornado, and most of the following are covered:
Smashed windows; falling trees that damage your home; water damages that are caused by broken windows or a damaged roof; damage caused by sewer back up; and,
if you need to live elsewhere while repairs are made on your home, living expenses will be covered.
Deductibles should be gone over. Often policies have more than one deductible, for instance, a general deductible, a lower glass deductible, and possibly a separate deductible for earthquake. The deductible that must be paid for tornado damage is the general deductible. If there is a specific deductible for wind damage, it will be specified on your policy declaration page.
As a rule, Canadian policies cover lightning, windstorm, hail, and tornado damage to homes and detached structures, like garages, sheds, and gazebos. However, damage to things outside your home, such as trees, bushes, antennas, and satellite dishes are usually excluded.
Tips for Protection
Preparing for tornados can be done in many ways, including anchoring heavy items that could cause damage if picked up by winds, and having impact-resistant windows installed. Items such as patio furniture and garbage cans should be secured to avoid becoming high-speed projectiles.
Create a detailed emergency plan for your family and go over it with them so that if a tornado occurs, they know where to go for shelter for their workplace, school, or your home. A basement or cellar is the safest place in homes that do not have an underground storm shelter, so the most central room that is lowest is best. Do not take shelter near windows.
Be wise and have a kit prepared beforehand so that you have everything you need for 72 hours or more. Include these essential items: first-aid kit, prescriptions, non-perishable food, water, a radio, flashlight, extra batteries, and some extra clothing, bedding, and toiletries if possible.
Protection is very important for you and your family, so talk with your insurance provider right away to make sure your coverage is adequate. 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. Insurance providers generally protect against tornado damage which is included in the wind damage part of the policy. For named-perils policies, there is a list of what perils are covered, so go through it and be sure that wind damage is included in your coverage. 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. Wind damage will usually be covered.
There are other kinds of damage that can be caused by a tornado, and most of the following are covered:
Smashed windows; falling trees that damage your home; water damages that are caused by broken windows or a damaged roof; damage caused by sewer back up; and,
if you need to live elsewhere while repairs are made on your home, living expenses will be covered.
Deductibles should be gone over. Often policies have more than one deductible, for instance, a general deductible, a lower glass deductible, and possibly a separate deductible for earthquake. The deductible that must be paid for tornado damage is the general deductible. If there is a specific deductible for wind damage, it will be specified on your policy declaration page.
As a rule, Canadian policies cover lightning, windstorm, hail, and tornado damage to homes and detached structures, like garages, sheds, and gazebos. However, damage to things outside your home, such as trees, bushes, antennas, and satellite dishes are usually excluded.
Tips for Protection
Preparing for tornados can be done in many ways, including anchoring heavy items that could cause damage if picked up by winds, and having impact-resistant windows installed. Items such as patio furniture and garbage cans should be secured to avoid becoming high-speed projectiles.
Create a detailed emergency plan for your family and go over it with them so that if a tornado occurs, they know where to go for shelter for their workplace, school, or your home. A basement or cellar is the safest place in homes that do not have an underground storm shelter, so the most central room that is lowest is best. Do not take shelter near windows.
Be wise and have a kit prepared beforehand so that you have everything you need for 72 hours or more. Include these essential items: first-aid kit, prescriptions, non-perishable food, water, a radio, flashlight, extra batteries, and some extra clothing, bedding, and toiletries if possible.
Protection is very important for you and your family, so talk with your insurance provider right away to make sure your coverage is adequate. 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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