Canada’s climate has always been diverse, but in recent years, extreme and unpredictable weather has become more common — especially here in Ontario. As we move through the winter months, many homeowners are already feeling the effects of a winter that includes fluctuating temperatures, heavy snowfall, freezing rain, and mid-winter thaws.

From ice storms and snowmelt flooding to high winds and power outages, extreme weather can have a serious impact on our homes, vehicles, and families. Being prepared — both practically and from an insurance standpoint — can make a meaningful difference when severe weather hits.

Below are some key risks Ontario homeowners should be thinking about this winter, along with practical steps to help protect your property.

Flooding: A Growing Year-Round Risk

Flooding remains one of the most common and costly causes of property damage in Ontario — and it doesn’t just happen in the spring. Winter thaws, ice buildup, blocked drains, and heavy rain on frozen ground can all lead to unexpected water damage.

It’s important to know that overland flood damage is not automatically included in standard home insurance policies. This coverage is typically added by endorsement, and availability can vary depending on location.

Steps to Reduce Flood Risk:

• Seal basement windows and ground-level doors.
• Use water-resistant materials for any below-grade renovations.
• Shut off electricity to lower levels if a flood warning is issued.
• Anchor fuel tanks to prevent tipping or leaks.
• Move valuables and electronics to higher levels of the home.
• Install flood barriers for basement doors or windows.
• Add backwater valves or sewer backup protection where possible.
• Install a water or leak detection alarm.
• Ensure proper grading around your foundation to direct water away.
• Extend downspouts at least 2 metres from the foundation.
• Keep eavestroughs and roof drainage clear and functioning.
• Speak with your broker to confirm what water-related coverages are included in your policy.

Winter Storms and Ice Events

Insurance Impact: Adjusting Coverage to Reflect Increase Value

Ontario winters often bring heavy snow, freezing rain, and ice storms, which can result in roof damage, fallen branches, power outages, and limited access to emergency services.

While it’s difficult to prevent damage during an active storm, preparation ahead of time can significantly reduce risk.

Winter Storm Preparation Tips:

• Have your roof inspected before winter to ensure it can handle snow loads.
• Check attic insulation and ventilation to reduce ice damming.
• Seal cracks or gaps to prevent warm air from escaping.
• Remove snow promptly from stairs, balconies, doors, and emergency exits.
• Protect exposed pipes and outdoor tanks from falling ice or snow.
• Ensure weather stripping around windows and skylights is intact.
• Drain outdoor plumbing lines before temperatures drop.
• Schedule chimney inspections before winter use.
• Contact your broker if you suspect storm-related damage — even if it seems minor.

Most standard homeowners policies include coverage for damage caused by sudden and accidental winter weather events, but it’s always best to confirm what applies to your specific policy.

Why Preparedness Matters More Than Ever

Extreme weather events don’t just affect property — they can disrupt daily life for days at a time. Power outages, impassable roads, and emergency service delays are becoming more common during severe winter weather.

That’s why we recommend every household have an emergency kit ready for multi-day events.

A Basic Winter Emergency Kit Should Include:

• 7-day supply of drinking water
• 7-day supply of non-perishable food
• Battery-powered or hand-crank flashlight and radio
• Extra batteries
• Can opener
• First-aid kit
• Personal hygiene items
• Prescription medications (minimum 7 days)
• Backup cellphone charger or power bank
• Cash
• Baby and pet supplies
• Emergency contact information
• Warm clothing and blankets
• Multi-purpose tool

We’re Here to Help You Prepare

Sever weather can be stressful – but being poorly insured and prepared helps reduce uncertainty when it matters most. Once everyone is safe and immediate danger has passed, your insurance broker can help guide you through next steps.

At McFarlan Rowlands, we’re here to help you:

• Understand your coverage
• Identify gaps related to extreme weather
• Prepare before a loss happens

If you have questions about winter risks or your home insurance coverage, reach out to our team. A quick review today can make a big difference tomorrow.