From flash floods to snowstorms and high winds, severe weather events are becoming more common across Canada. While we can’t control Mother Nature, we can take steps to reduce the risk of damage to our homes and vehicles—and the good news is, many of these steps are simple and practical. Here’s how to prepare before the next storm hits.

1. Start with a Seasonal Check-Up at Home

Each season brings its own challenges, and keeping your home in good shape year-round is one of the best ways to avoid costly weather-related damage.

• Clean your gutters: Clogged eavestroughs can lead to water overflow, causing damage to your roof, siding, or foundation.
• Check your roof: Missing or damaged shingles should be repaired quickly to prevent leaks.
• Seal windows and doors: Proper sealing keeps cold air and moisture out and helps lower your energy bills.
• Trim nearby trees: Overhanging branches can break during a windstorm or heavy snowfall and cause serious damage to your home or power lines.

2. Get Ahead of Flooding

Floods are one of the most common and costly natural disasters in Canada. Even if you don’t live near a river or lake, heavy rainfall or snowmelt can still cause water damage.

• Install a sump pump and backup battery: These help prevent basement flooding during heavy rain or power outages.
• Consider a sewer backflow valve: It can prevent sewage from backing up into your basement.
• Store valuables off the floor in basements: If flooding does happen, you’ll lose less.

3. Protect Your Vehicle

Your car is just as vulnerable to severe weather as your home, and repairs after a storm can be expensive. A few simple habits can go a long way.

• Park in a garage or covered area: This protects your car from hail, falling branches, and heavy snow.
• Avoid parking under trees or power lines: Strong winds and ice buildup can turn these into hazards.
• Keep an emergency kit in your car: Include a flashlight, blanket, jumper cables, and snacks—especially in winter.

4. Review Your Insurance Coverage

Even with the best precautions, accidents can still happen. Having the right insurance coverage gives you peace of mind and helps you recover faster.

• Check your home policy for water and flood coverage. Not all policies automatically include this.
• Ask about coverage for weather-related car damage. You may need comprehensive auto insurance to be protected from hail, floods, or falling trees.
• Update your policy regularly. Major home improvements, new valuables, or vehicle changes should be reflected in your coverage.

Be Proactive, Not Reactive

Protecting your home and car from severe weather isn’t just about reacting after a storm—it’s about preparation. By taking simple steps now, you’ll help keep your property safe, avoid unnecessary stress, and potentially save on insurance claims down the road.

Want help reviewing your coverage or tips on weather-proofing your insurance plan? Speak to one of our brokers today at 905-830-9000.

Disclaimer: At ICD Insurance, we aim to provide accurate, up-to-date information. However, insurance needs vary, and coverage depends on specific policies, locations, and providers. This content is for general information only and may not fully apply to your situation. Please contact your ICD Insurance broker to discuss your specific needs and coverage.