Canadian winters are no joke. Heavy snow, freezing rain, and sub-zero temperatures can lead to serious home damage — and costly repairs. That’s why it’s essential to understand your insurance coverage now, not later. Whether it’s a burst pipe, collapsed roof, or ice storm damage, Paul Davis is here to guide you through both the damage and the claims process.

What’s Usually Covered by Home Insurance in Canada

Most standard policies include protection for sudden and accidental winter-related damage, such as:

Roof collapse due to snow and ice

If your roof gives way under the weight of snow, insurance will often cover the repairs — as long as the issue wasn’t due to neglect. Paul Davis can help assess the damage and secure your home fast.

Burst pipes from extreme cold

When frozen pipes crack and flood your home, you’re typically covered — and Paul Davis can respond 24/7 to mitigate water damage and begin cleanup immediately.

Wind and storm damage

Damage caused by winter storms, like broken windows or detached siding, is usually insured. We handle the board-up, emergency repairs, and full restoration.

Temporary relocation expenses

If your home is uninhabitable, many policies will reimburse hotel or rental costs. Our team helps document damage and works with your insurer to speed up approvals.

What’s Often Not Covered

Insurance doesn’t cover everything — especially when maintenance or wear and tear is involved. Be aware of these gaps:

Ongoing issues from neglect

Damage from ignored roof repairs, uninsulated pipes, or poor upkeep might not be covered. Paul Davis can help you prevent issues before they start with seasonal inspections.

External water or flood damage

Standard policies rarely cover sewer backup or melting snow floods. You may need extra coverage. We can identify risk areas in your home and recommend safeguards.

Aging systems or materials

Old plumbing and roofing usually aren’t covered unless they fail suddenly. Proactive care is key — and we’re ready to help you rebuild if something goes wrong.

Plan Now, Respond Faster Later

Don’t wait for disaster to understand your policy. Here’s how to stay ahead:

• Review your insurance policy now.
  Know your deductibles, limits, and what's excluded.
  
• Keep records of maintenance.
  This helps protect your claim — and Paul Davis can assist with damage documentation.
  
• Have a restoration partner on speed dial.
  When winter hits, fast action matters. Paul Davis is ready 24/7 with emergency response, expert cleanup, and full restoration services.
  
  

If Winter Strikes, Call Paul Davis First

When snow, ice, or freezing temperatures damage your home, you don’t just need a contractor — you need a partner who understands both restoration and insurance.
Paul Davis works with Canadian insurers every day, helping homeowners like you recover quickly, safely, and with peace of mind.

Don’t wait until it’s too late — connect with your local Paul Davis team today.