Climate Change: Take Steps to Help Protect Your Home

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Over the years, many storms have intensified and some catastrophes have occurred due to the effects of climate change. Climate change is the reason why we are seeing larger and more frequent windstorms, increased rainfall, hail and wildfires.

Unfortunately, the effects of global warming are putting more people and their homes at risk; so it’s important that as homeowners we take the necessary steps to protect our home.

Are There Any Insurance Benefits If I Protect my Home?

Allstate Canada has recently announced in an industry-first that our Climate Mitigation Solution coverage is now included in all home insurance policies, under Extensions of Coverage.

This coverage will provide reimbursement of up to $2,500:

  1. For expenses incurred by you for measures taken to reduce the impact of a climate related loss to your home and property when an emergency evacuation alert or directive has been issued by order of a civil authority; or
  2. To replace your roof or siding with industry-approved recognized materials following a covered loss. Terms and conditions may apply.

Please contact your agent if you need more information or a revised copy of your policy wording.

How do I Protect My Home?

While we know tackling the broader issue of climate change will take the collective powers of everyone to accomplish, there are things you can do to help protect your home from severe weather damage.

Based On The Type Of Storm Here Are Some Actions To Consider:

In Preparation for a Storm:

Purchase or Create an Emergency Kit

Your emergency kit should house the necessary items in case you are in a situation where you either need to evacuate your home, or if you’re stuck at home during a major storm. For example, you should have non-perishable food with a manual can opener, bottled water, first-aid kit, cash, important documents, extra clothing, blankets, flashlight, etc. For a full list, check out this article.

It’s also important you sit with your family and create an emergency preparedness plan.

Extra Gasoline

If you and your family need to evacuate immediately, there may not be time to get gas. So, consider purchasing a fuel container for extra gasoline. Be sure to store gasoline and other combustible liquids in secure, well-ventilated areas away from any sources of heat or electricity (and away from young children).

Sealing any Cracks

You can take preventative measures ahead of a potential storm by purchasing products that’ll help seal leaks and cracks to prevent water from entering your home. For example, you can use a caulk to seal your windowsills or doorsills.

Waterproof tape can also be used as a temporary fix for roofs to prevent leakage caused by rainfall. Also, waterproof tape can be used in places such as bathrooms, kitchens, terraces, balconies, and toilets where water is most likely to seep into the home.

Storage Units

If you live in a smaller home and are concerned your valuable items may be damaged because of a storm, consider renting a storage unit. Not only can it help to declutter your home, but some storage units have 24/7 security, and are heavily reinforced.

During a Rainstorm:


In the event of a heavy rainstorm, sandbags can be used to reduce the risk of flood water from entering your home. Be sure to place the sandbags around your doors or areas of the home you believe may be prone to flooding (e.g., in and around window wells leading to the basement). It’s recommended to stack sandbags at least one foot high for adequate protection against water damage.

Emergency Generators

Storms can also affect the power lines, causing your home to lose power, so you should consider investing in an emergency generator. These generators can provide some power for your home when your main power source is down.

During a Windstorm:

Reinforce Doors and Windows

Heavy windstorms can bring about debris that may damage your home. One way to help prevent that is by reinforcing your doors and windows. Installing storm shutters on exposed windows and other glass surfaces is one of the easiest and most effective ways to protect your home against high winds.

Alternatively, you may want to consider purchasing plywood and keeping it stored in your garage or shed in case you need to install them before a storm reaches your home.


If you have a shed, or outdoor furniture, or anything that may be blown away or damaged by a storm, consider placing a tarp over these items to protect them.

Help Prevent Wildfires

You could do the following to help to prevent a wildfire at your home, campsite or cottage by:

  • Not discarding a burning cigarette in the bush or from the window of a vehicle.
  • Consulting with your fire department for tips on fireproofing your property.
  • Removing combustible materials from around the house or cottage.

Help Preventing Household Flooding

You could do the following to help to prevent household flooding by:

  • Disconnect downspouts that lead directly to the municipal sewer system and extend them away from your home, preferably draining water at least six feet away.
  • Keep storm drains near your home, as well as your eavestrough clear of leaves and debris.
  • Install an alarm system that includes water leak sensors and alarms that will alert you to possible leaks.

Have any additional questions regarding what to do during or following a severe weather event, the Insurance Bureau of Canada has put together a list of frequently asked questions.

Disclaimer: This information and the websites referenced are provided for your convenience only and should not be construed as providing legal or insurance advice. Allstate does not control or guarantee the accuracy of any content on any third-party site.  Allstate is not responsible for the privacy practices of any third-party site.