Does my home insurance cover window damage from the big storm we just had?

Most home insurance policies in Ontario do cover window damage from storms, but coverage depends on the specific cause and your policy details. You'll need to review your policy or contact your insurer to confirm your specific coverage.

Storm damage coverage typically includes windows broken by wind, hail, or debris during severe weather events. If the recent storm caused direct damage to your windows - such as hail cracking the glass, wind pressure breaking panes, or flying debris impact - this is usually covered under the "perils" section of your homeowner's policy. Most standard policies in Ontario include coverage for windstorm and hail damage.

However, there are important exceptions to understand. Insurance typically won't cover damage from flooding, ice damming, or gradual deterioration that the storm simply exposed. If your windows were already in poor condition and the storm just revealed existing problems, coverage may be denied. Additionally, if water entered through damaged windows and caused interior damage, that secondary damage is usually covered, but you'll want to document everything thoroughly.

For Ottawa homeowners dealing with storm damage, act quickly to prevent further damage by boarding up broken windows temporarily - most policies require you to mitigate additional damage. Take photos of all damage before making temporary repairs, and keep receipts for emergency materials. Contact your insurance company immediately to start a claim, as there may be time limits for reporting storm damage.

When replacing storm-damaged windows, this is an excellent opportunity to upgrade to more resilient options. Consider impact-resistant glass or stronger frame materials that can better withstand Ottawa's severe weather patterns. Insurance may cover the full replacement cost, making upgrades more affordable than usual.

For emergency boarding or permanent replacement after storm damage, request a quote through Ottawa Window Pros — an installer can document the damage in the detail your adjuster will want.