Wind Damage and Downed Power Lines: What Does Home Insurance Cover?
When extreme weather strikes, Canadian homeowners may wonder if their insurance policy covers damage caused by high winds or downed power lines.
Understanding what is and isn’t covered by your home insurance can help you prepare and act quickly in the event of a loss.
Western Financial Group, a 100% Canadian company, can help you navigate your car, home, business, and boat insurance during this period of economic uncertainty.
What counts as wind damage?
From an insurance broker’s perspective, wind-related damage is considered an unavoidable loss resulting from high-force winds. This type of damage can include harm caused directly by the wind or by debris such as tree branches. If the wind causes an object to create an opening in your home, any additional damage to your property or belongings due to this opening is typically classified as wind-related damage.
Several types of storms and natural disasters can lead to wind damage, and most homeowner policies provide coverage for events such as:
- Tornadoes
- Hurricanes
- Thunderstorms
- Hailstorms
- Microbursts
- Nor’easters
It’s important to know the limit of how your home insurance policy covers wind damage. Note that some home insurance policies may have separate deductibles for wind and hail damage.
How does home insurance cover wind damage?
Most homeowners' insurance policies include coverage for wind damage.
Your policy’s dwelling coverage helps pay for repairs or replacements for structural damage, including the roof, siding, or windows. Additionally, personal property coverage can help repair or replace belongings damaged by the wind. Policyholders should review their insurance details carefully to understand limits, deductibles, and exclusions.
For example, if a windstorm knocks a tree onto your house, your policy typically covers the cost of repairing the damage to your home. However, it likely won’t cover the cost of removing or replacing the fallen tree.
Named perils vs. comprehensive ‘all-risks’ policies
Named perils: If wind coverage is explicitly in your home insurance policy, your home and contents are protected against wind damage.
Comprehensive ‘all-risks’: This policy type provides broader coverage, protecting against all losses except those specifically excluded.
Does my insurance cover damage from a downed power line?
If a windstorm or falling tree causes a power line to come down and damages your home, your insurance policy may cover repairs to the affected areas, such as a burned-out electrical panel or damaged appliances. Repairs to the actual power line are usually the responsibility of your utility provider. Always check with your insurance company to confirm coverage details.
How an insurance broker can help ensure you have the right coverage:
An insurance broker is a licensed professional who works on behalf of homeowners to find the best insurance coverage at the most competitive price. Unlike insurance agents who represent a single company, brokers have access to multiple insurance providers, allowing them to compare policies and customize coverage based on your specific needs. They can help identify potential discounts, such as bundling home and auto insurance or installing safety features that lower your premium. Additionally, brokers assist with policy reviews, ensuring you have adequate protection while avoiding unnecessary costs. Their expertise can save you time and money while ensuring you’re fully covered in the event of a loss.
FAQs about wind damage and home insurance coverage
How long do homeowners have to submit a wind-related claim?
This varies by provider. Some insurers allow up to 12 months from the date of the event, while others require claims to be submitted within 90 days. Contact your insurance provider to confirm your deadline.
How long does a wind damage insurance claim take to get approved?
It depends on the complexity of the claim. A straightforward claim can be processed in as little as 48 hours, while more complicated cases requiring detailed assessments can take several months.
Is damage to my satellite dish covered by windstorms?
Unfortunately, damage to radio antennae or satellite dishes is typically excluded from wind damage coverage.
Does wind damage insurance cover my roof shingles?
If shingles blow off during a windstorm, coverage usually depends on their condition before the damage. If the shingles were near the end of their lifespan, the insurer may only cover a depreciated amount rather than the full replacement cost. Regular wear and tear are not covered by insurance.
What should I do to stay safe in the event of a storm?
Avoid downed power lines and do not touch electrical switches until a licensed electrician inspects your home.
Board up holes and shut off water supplies to prevent further damage.
Secure outdoor furniture and loose objects to prevent them from becoming airborne hazards.
Inspect and repair loose or damaged shingles immediately to prevent further wind or water damage.
How to submit a home insurance claim for wind damage
Document everything: Take pictures and make a list of all damaged items, including building materials like flooring.
Keep receipts: If your home is uninhabitable due to wind damage, save receipts for any additional living expenses.
Contact your insurer: Report the damage as soon as possible and follow your provider’s claims process.
By understanding your home insurance policy and taking proactive measures, you can ensure you’re well-prepared in the event of wind damage or a downed power line
