While the recent flooding in the Fort McMurray area was no surprise for this time of year, this year was different, given the impact of COVID-19.
“These floods are coming at a time when we are all practicing physical distancing. Alberta had expected some crossover of the pandemic with floods and fires that can occur, and the province has made preparations to ensure that evacuation centres have processes in place for physical distancing and sanitation,” says Anne Marie Thomas of InsuranceHotline.com, who answers questions you may have about flood insurance:
Q: Is flooding covered under insurance plans, and what exactly is covered?
A: Flooding is only covered under home insurance if the policyholder purchased it. It is not part of the standard homeowner policy.
Q: For those Albertans who had property damaged, what are the steps they should take with their insurer?
A: Take photos of the damage. Protect as much property as you can from further damage. For example, move items from the basement to a higher floor. Contact their insurance broker or company for next steps.
Q: Will expenses be covered if you have had to leave your home? What options are there for people forced out of their homes by flooding during these times? (i.e. travel/hotels)
A: Additional living expenses are covered under most homeowner/renters polices. Such things as a hotel and food would be included.
Q: What are the steps to take after a flood?
A: The Government of Canada has a list of things that we should do after a flood at www.getprepared.gc.ca/cnt/hzd/flds-ftr-eng.aspx. There is also a local link specifically for Albertans: www.rmwb.ca .
Q: For those who own vacation homes near high-risk shorelines, what can they do to safeguard their properties at a time when health authorities advise against travel to rural communities?
A: Typically there would be an association or municipal governing body that can provide guidance for vacation properties.
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