Climate change is real, and with climate change comes more storms, which are more severe than ever before. Here on the East Coast of Canada that includes shorter summers, intense winter storms, and severe flooding. What can you do to keep safe?
Check Your Coverage
Insurance is making sure you have what you need in case something goes wrong. When things are going well, we’re not necessarily thinking about insurance, but that’s when we should! Reviewing coverage in good times means we’re taken care of in bad times.
Stay informed
Keep an eye on weather channels, news sources, and apps. If something is ocming, you want to know well in advance so that you can…
Be prepared
In the event of severe weather, there is a possibility of a power outage. In these situations, it’s important to have an emergency kit safe in your home.
For your safety kid, the Government of Canada suggests the following:
Basic emergency kit checklist:
Water — two litres of water per person per day (include small bottles)
Food that won’t spoil, such as canned food, energy bars and dried foods (replace once a year)
Manual can opener
Wind-up or battery-powered flashlight (and extra batteries)
Wind-up or battery-powered radio (and extra batteries)
First aid kit
Extra keys for your car and house
Cash, travellers’ cheques and change
Important family documents such as identification, insurance and bank records
Emergency plan — include a copy in your kit as well as contact information
(https://www.getprepared.gc.ca/cnt/kts/bsc-kt-en.aspx)
Do You Need Additional Coverage
In some cases, standard home insurance policies may not cover everything. Every situation is different, so it’s important to divulge EVERYTHING to your broker. Things like overland water, and sewer back up coverage are NOT covered with standard policies. Speak to your broker to find out if you need these.
