Insurance After a Major Ontario Storm

First, check whether your Ontario policy covered storm damage. Standard home insurance generally covered wind and hail, while flooding often needed added water coverage.
Auto coverage also varied. Comprehensive coverage generally handled flood, hail, or wind damage, while collision mattered if a moving vehicle was struck.
After severe flooding, safety came first: avoid re-entering a structurally compromised home, document damage with photos and receipts, and contact your insurance agent early.
Claims should factor in the deductible, since smaller repairs may not justify filing. Storm-related claims can also take days, weeks, or longer.
Ontario home insurance averaged ~$2.2K annually in 2026, with premiums ↑~6% yearly. Experts warned weather-related claims could push renewal costs higher in 2027.