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Blizzard over southern Quebec | What does the insurance pay?

The freezing rain that hit Quebec has plunged more than a million homes into darkness and caused a lot of damage: broken tree branches, soaked car roofs, and lost food. Does insurance cover leftover filet mignon or tree-damaged roast? Pierre Babinski, Director of Communications for Insurance Canada (IBC), answers our questions.

Does insurance cover damage if a tree falls on the roof of your car or home?

Every time an object hits your home, the damage caused is covered by home insurance. This covers risks incurred, particularly due to wind or ice.

In the case of a car, it’s a little different. Owners must have non-collision coverage.

As a pedestrian walks on the sidewalk in front of your house, a tree branch on your land falls on his head and injures him. are you responsible

In this case, it can often be a municipal tree. But in any case, it is the court that will determine civil liability. If you are found liable, it is the civil liability portion of your home insurance that will cover it.

You haven’t had any electricity for 24 hours and your fridge is full: cartons of milk, tenderloin, carrots, yogurt. Can insurance cover you?

Yes, an insurance policy usually covers the contents of a refrigerator or freezer, up to a certain amount subject to a deductible. When you notice food loss, you must document it by taking a photo. The insurance company will not ask you how many potatoes you have. He will judge the lawsuit based on the information you provide him.

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If a refrigerator or freezer leaks and causes water damage, are you covered?

Damage caused by water coming from inside [la plomberie, les appareils électroménagers…] Covered by basic home insurance. For water that comes from outside, such as that dripping from a roof, you must have approvals [protections supplémentaires].

It’s 13°C in your house and you’re feeling uncomfortable. So you decide to eat in a restaurant and take a hotel room for the night with your family. Is it refundable?

If you do not have any damages that prevent you from living in your home, you will not be compensated. Living expenses will be paid if damage to your home renders it uninhabitable, such as a tree falling on the roof, for example.

If your tree falls on a neighbor’s grill, will his or her insurance reimburse you?

“Normally, damage to our property is covered by our insurance. So the neighbor’s barbecue is covered by his insurance. Note that if your tree falls on the neighbor, it’s up to you to pick it up.”

It is best to file claims as soon as possible, advises the Insurance Bureau of Canada.