What to do Post Superstorm...

Superstorm Sandy is upon us, it's a storm that's been widely anticipated on the north eastern seaboard of the United States. It's trajectory will bring a great deal of wind and rain into Ontario as well. The insurance industry has been watching this storm closely as well, and many insurers in Canada have suspended the writing of new property insurance policies until the storm passes.

For the moment, it may be too late for you to secure loose items such as patio furniture, various decor items, or any other loose items you may have on the premises of your business or home. If as you read this it is safe to go outside and secure such items, it is highly advisable that you do so.

High winds and rain typically cause flooding in low lying areas, or in older areas with older storm water infrastructure. For the GTA this storm hits at a rather inopportune time, I say this because we've had rain for several days now, and the ground is likely already saturated, making flooding more likely. Should you be in a situation where you need to leave the premises, it is best if you turn off the gas, water and electricity before you do so. Keep an eye on water levels and be sure to keep children and pets away.

If you find yourself with downed trees, power lines, or other types of damage do what you can to prevent further damage from occurring. Check your policy to be sure you have coverage for what has happened, if you're unsure, call your Broker or Insurer and ask. If you're able to, take lots of pictures they could be helpful to have after the fact. Do your best to stay safe and calm, so long as it's property damage, it's just damaged stuff, and that we can get through together.