When a major storm or hail pounds your home in Mississauga or Toronto, the first question that often comes to mind is, “Will my home insurance cover this?” As your local insurance broker, I’ve seen firsthand how overwhelming storm damage can be—and how the right policy can make all the difference between a stressful nightmare and a smooth recovery.

What Home Insurance Usually Covers After a Major Storm

Most standard home insurance policies in Ontario cover sudden and accidental physical damage caused by wind, hail, or lightning. That includes:

Roof and siding damage caused by wind or hail.
Broken windows and water leaks resulting from storm penetration.
Fallen trees or branches damaging your home structure.
Interior damage caused when wind or hail creates an opening that allows rain or snow in.

However, not all storm-related damage is covered. That’s where a trusted local insurance broker comes in—to help you understand what’s included before the next storm rolls in.

Common Exclusions Homeowners Should Know

While hail and wind are generally covered, most home insurance policies do not automatically include overland flood coverage. This means water that enters your home due to storm runoff or rising rivers may not be protected unless you add an optional overland water endorsement.

Given the frequency of flash floods in the Greater Toronto Area, including Mississauga and Etobicoke, having that extra layer of coverage can save you thousands in repairs.

Steps to Take After Storm or Hail Damage

Assess and document damage immediately with photos or videos.
Prevent further damage (e.g., cover broken windows or roof openings).
Contact your insurance broker as soon as possible. They’ll help guide you through the claims process and liaise with your insurance provider.
Get repair quotes from licensed contractors before making permanent fixes.

Your broker’s job is to advocate for you—ensuring your claim is processed fairly and efficiently.

Frequently Asked Questions

1. Is hail damage covered by home insurance in Ontario?
Yes, most standard policies include hail damage, but it’s best to confirm with your broker about policy specifics.

2. What if leaking occurs days after the storm?
If the initial cause was storm damage, most policies will cover it as long as you reported the issue promptly.

3. Are detached structures like garages or sheds covered?
Yes, typically up to a percentage of your home’s insured value.

4. How can I reduce my premiums after a claim?
Consider bundling home and auto insurance or increasing your deductible slightly to offset rate increases.

Your Local Insurance Partner Matters

Whether you live near Port Credit, Square One, or Downtown Toronto, working with a local insurance broker who understands regional risks can make your coverage more comprehensive. At KatherineTheBroker.ca, we help Mississauga and Toronto homeowners compare policies and ensure no storm catches them off guard.

For more details, visit Insurance Bureau of Canada to understand coverage standards across Ontario.