Winter storm warnings across Canada raise risks for homeowners. Here are the key steps you can take to reduce losses

“Winter storms and extreme freezing temperatures can cause extensive damage to homes, businesses and vehicles,” said Rob de Pruis, national director of Consumer and Industry Relations at the Insurance Bureau of Canada, in a statement.

“While we can’t stop a winter storm, there are steps we can take to help mitigate the risks and better protect our property.”

Frozen pipes remain a top concern

One of the most common — and costly — winter claims involves frozen or burst pipes. Insurers generally cover damage caused by freezing, but only if homeowners take reasonable steps to maintain heat and protect plumbing.

That includes insulating pipes near exterior walls, basements and crawl spaces, sealing drafts around windows and doors, and knowing where the home’s water shut-off valve is located.

Homeowners who plan to be away should maintain heat in the dwelling and arrange for someone to check the property regularly, as most insurance policies set specific requirements for vacant homes.

If a power outage or furnace failure occurs, insurers expect homeowners to act quickly to prevent pipes from freezing. In the event of damage, most insurers offer 24/7 claims reporting and recommend contacting them immediately.

Power outages and ice buildup can trigger secondary damage

Extended cold snaps often bring power outages, increasing the risk of frozen plumbing and interior damage. Homeowners are advised to keep flashlights and backup power sources ready and to use candles cautiously due to fire risk.

Ice dams and heavy snow accumulation can also cause roof leaks and structural stress. When it’s safe to do so, checking attics for frost buildup and monitoring eavestroughs for ice dams can help prevent water damage once temperatures fluctuate.

Insurance coverage depends on preparation

Insurance policies don’t include special “winter” coverage. Instead, protection depends on the perils listed in the policy and whether homeowners took reasonable precautions. Losses related to frozen pipes, for example, may not be covered if a home was left vacant without proper safeguards.

“Canadian winters are tough and seem to be getting even tougher,” de Pruis said. “Do what you can to help protect yourself and your most valuable assets by winterizing your home and avoiding unnecessary risks.”

For homeowners, it pays to be proactive. Small preventative steps taken now can reduce the risk of major damage, and costly insurance disputes, once the dust has settled.