What to do in EXTREME WEATHER EVENTS

Pick up around your yard

•Pick up and secure loose items stored outside to avoid them becoming flying debris causing potential damage and personal injury

•If you have a pool, consider covering your pool to avoid debris entering and causing damage

Prepare your home

•Install a sump pump to prevent groundwater from entering your basement. If electric, consider installing a battery-operated back-up in case of a power outage

•Keep drains and toilets free of household grease and other foreign objects that may cause blockage

•Know where basement floor drains are and keep them clear

•Know where your shut-off valves are and how to turn them off in an emergency•Check eaves trough and downspouts every spring and fall to ensure that they are not blocked

Know what to do during a flood

•Do not touch electrical wires, appliances or devices

•If sanitary sewer backs up into your basement, do not flush toilet or turn on any taps

•Never cross a flooded area

•Separate damaged property from undamaged property and prepare an inventory of what has been lost or damaged

•Take photographs of damaged property

•Keep receipts of any clean-up costs incurred

Prepare for power outages:

•Ensure fridge and freezers are well stocked and open only when necessary

•If you have a generator, prepare it for use –including checking fuel and oil levels and ensuring it is in proper running condition

•Have flashlights and blankets ready

•Fill the bathtub with cold water

•Ensure all electronic items are fully charged (laptops, smartphones, etc.)

•Keep non-perishable foods stocked

•Disconnect electronics to prevent electrical surges when power resumes

•Have alternative plans to visit friends, family, a warming centre or a mall to stay warm

Most policies protect you against a host of hazards including wind and rain storms. Review your coverages with your broker to understand your coverages, deductibles and any limits which may apply.