There are some specific risks to be aware of when it comes to property insurance in Windsor.
Thunderstorms and tornadoes. Located at the southwestern tip of Ontario, Windsor enjoys the warmest climate of any major city in Ontario. While its climate is largely moderated by the surrounding Great Lakes, Windsor still experiences inclement weather, including severe thunderstorms and even the occasional tornado, all of which have the potential to cause major home damage.
Earthquakes. While uncommon, Windsor and Essex County do experience the occasional earthquake, including a 4.1 magnitude quake in 2018. Unfortunately, basic home insurance policies generally do not cover earthquake damage. However, some insurance companies offer extra coverage for earthquakes, which you can purchase extra.
Wind gusts. Windsor periodically experiences severe wind conditions, with gusts reaching speeds of 100 km/h.
Flooding. Situated along the Detroit River — and surrounded by Lake St. Clair and Lake Erie — Windsor is no stranger to flooding. Flooding is a leading cause of property damage throughout Ontario and can happen suddenly or over time. Backed up sewers, severe rainfall, major storms, snow thawing, or broken dams and water mains can all trigger floods.
Wintery conditions. Although Windsor is known for its mild winters, the city still does experience occasional lake-effect snowfalls and winter storms originating from Lake Michigan. Wintery conditions can wreak havoc on homes, causing freeze-thaw weather that leads to ice forming inside walls and roofs. The end result can be water damage that isn’t always covered by standard home insurance policies. Ask your broker if your policy covers winter-related water damage. Your broker can also show you products that offer extra coverage on top of your base policy.