IBC issues heavy rainfall, mid-winter thaw advisory for Ontario

The bureau cited the special weather statements and alerts made by Environment Canada, which forecasted strong winds and heavy rainfall across Ontario. According to IBC, severe rain and melting snow during the period could lead to flooding in the province, while powerful gusts can damage property and vehicles.

“Following the extreme cold conditions seen across Ontario last week, this warm-weather system has the potential to lead to significant snowmelt, ice jams and flooding,” said IBC Ontario vice president Kim Donaldson in a statement. “With heavy winds and rainfall added to the mix, this storm could result in extensive damage. We encourage residents to take a few simple steps now to help protect their property from damage.”

Tips to prepare for severe weather

IBC has provided a list of tips for homeowners to follow in order to reduce the risk of damage.

Keep all of your floor drains clear of obstructions.
Make sure downspouts are clear of debris and that they direct water away from your home to help prevent ice-damming and basement flooding.
Move valuable items out of your basement to higher levels in your home.
Create an emergency preparedness plan for your family and assemble disaster safety kits for your home, car and office.
If you have a detailed home inventory, check that it is up to date.
Prepare for power outages. Have flashlights and portable lighting ready. When using candles, always be mindful of fire hazards.
Protect or move property that might be damaged by flying debris. Park vehicles in a garage, if possible.
 Have someone check your property if you are away.
Charge electronics and have backup power sources available.
If you need to drive, clear all of the snow and ice from your vehicle before you start out. Drive according to the conditions and do not drive over flooded roads.

Understanding what is covered by insurance when it comes to storm damage

IBC also prepared a list of reminders for homeowners who may have questions about their insurance policies, and what they cover in the event of a storm.

Water damage in a basement due to sewer backup is only covered if you have purchased specific, optional sewer backup coverage.
Damage to homes caused by wind is usually covered. This coverage includes damage caused by flying debris, falling branches or trees, and water entering through openings created by the storm.
If you have purchased comprehensive or all perils auto insurance, damage to vehicles from wind is usually covered. This coverage is not mandatory, so check your policy.
In certain circumstances, homeowners who are unable to return home due to insured damage are entitled to additional living expenses.

Those with further questions have been advised to contact their insurance representative. IBC is also open to questions on general insurance information, through its Consumer Information Centre or its website.

IBC’s advisory comes after the bureau praised the Ontario government’s recent launch of its first-ever Emergency Management Strategy and Action Plan. The plan serves as a blueprint for emergency management in the province for events such as natural calamities.