Goderich Tornado On August 21, 2011, a violent storm and tornado devastated Goderich, Ontario, causing $130 million in overall damages and $75 million in insured damages. IBC’s Disaster Relief Goes MobileTo assist community members and help address questions, IBC representatives travelled to Goderich. IBC’s Community Assistance Mobile Pavilion (CAMP) is one of a number of initiatives by Canada’s home, car and business insurers to help Canadians prepare for, and cope with, disasters. The national program provides disaster victims with on-site, quick-response information related to insurance.Insurers Respond to the DevastationIn addition to IBC representatives, insurance company representatives were in Goderich to help affected residents and businesses. Many insurers brought in extra staff to issue cheques to residents to cover their daily needs, as well as to immediately begin processing claims. Due to the extent of the claims and the limited availability of skilled tradespeople and labour for demolition and rebuilding in this small community, the recovery process took months to complete. Insurers worked to fulfill rebuilding requirements for damaged homes and buildings with heritage designations, to ensure that the rich history of the community was preserved.Reconstruction wasn’t an overnight process. In the months that followed the tornado, IBC and insurance company representatives answered insurance questions, responded to issues and helped the Goderich community recover. Coping with the Aftermath: How Insurance HelpsMost home and business insurance policies will cover damage caused by wind, including costs for fixing broken windows and removing debris.Auto insurance covers wind damage if comprehensive coverage has been purchased.Marine insurance policies will usually cover damage to boats from wind. Homeowner’s and tenant’s policies in certain circumstances provide coverage for additional living expenses if a residence is uninhabitable because of an insured loss.After a disaster, contact your insurance representative as soon as possible to discuss your coverage and deductibles and to report damage claims. To facilitate claims processing, document all property losses. And, if safe to do so, protect your property from further damage. Think Don't Sink: Beware of Flooded VehiclesA severe weather event such as a heavy rainfall can leave a wide trail of destruction in its wake including flooded basements, washed out roads, communities under water and scores of flooded vehicles. In the aftermath of a flooding event, fraudsters may attempt to resell storm-damaged vehicles to unsuspecting consumers.A Guide to Emergency PreparednessDisaster, whether natural like a tornado or man-made such as a power outage, can strike at any time, in any place. While it’s impossible to stop disasters from happening, you can increase your readiness for them. This guide can help. Related ServicesWindDamage from wind is usually covered by insurance. Take precautions and ask your insurance representative to confirm what losses may be covered. Useful LinksCrisis Management - Auto InsuranceIn times of crisis, slowing down is often the best approach. A crisis can be weather related. Whether your vehicle has been damaged by water, wind, fire, ice or an earthquake, make sure you know what to do in the event of an emergencyCrisis Management - Home InsuranceFrom floods to fires to earthquakes, severe weather can damage your home. A home robbery or attempted break-in can put you, your family and your property, at risk. If you’re in a crisis situation that could affect the structure of your home or your own health, keep calm and seek alternate shelter immediately. Crisis Management - Business InsuranceA crisis can happen at any time, threatening an organization in a multitude of tangible and intangible ways. Following best practices in risk management – including creating a business continuity plan – can mean the difference between recovery and bankruptcy.