Ice Storms and Hailstorms Understand your coverage and how to make a claim in the event of ice storms and hailstorms. Hailstorms Hit the Prairies the Hardest – Are You Prepared?The frequency, severity and cost of severe weather events are all rising across the country. From June until September in Alberta and the Prairie provinces, it’s hail season. Homes in this region are being damaged more frequently by hail, heavy rainfall and strong winds.Due to Alberta’s geography and weather patterns, hailstorms are having a serious impact across the province. In 2012, severe storms resulted in more than $700 million in insured losses and in 2011, storms and hail accounted for $380 million in insured losses. In recent years, severe storms with crop-damaging hail have also significantly affected Saskatchewan and Manitoba.Cracked Window Glass or Shattered Windshield? What Insurance CoversYour insurance representative can confirm the coverage in your current policy. Typically, you can expect the following:Damage to homes caused by hail or wind is usually covered under most home insurance policies. This includes damage caused by flying debris or falling branches or trees, or damage to your home and contents from water entering through openings suddenly caused by wind or hail. Obviously, pre-existing damage is not covered.Damage to vehicles from wind, hail or water is usually covered if you have purchased comprehensive or all perils car insurance. Note that this coverage is not mandatory.Damage to mobile homes or trailers from hail or wind may be covered.Before the next severe storm strikes, check with your insurance representative to ensure your policies are up to date and serve your particular needs. Review them and ensure you are familiar with specified deductibles, coverage limits and replacement values. If anything is unclear, your insurance representative can provide additional information. Tips for Starting the Claim ProcessCall your insurance representative or company. Most insurers have a 24-hour claims service. Be as detailed as possible when providing information.List all damaged or destroyed items. If possible, assemble proofs of purchase, photos, receipts and warranties. Take photos of damage incurred and keep damaged items unless they pose a health hazard.Keep all receipts related to cleanup and living expenses if you’ve been displaced. Ask your insurance representative about what expenses you may be entitled to and for what period of time. Don’t Slip, Trip and Fall – 10 Important Ice Safety Tips Related ServicesIce Safety TipsEvery winter, 25 to 30 Canadians die in ice-related incidents. When participating in winter activities and during or after an ice storm, be careful when walking or driving on slippery surfaces. 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.