Hurricanes in Canada: What you can do

When hurricanes sweep across Canada, they bring more than just rain: Think storms vast enough to cover entire cities, bringing with them winds of at least 119 km per hour1, and easily toppling trees, damaging buildings, and leaving swaths of destruction in their path.

Unfortunately, climate change has had a significant impact on recent tropical storm projections, with predictions of record-setting levels of hurricane activity and an unprecedented number of storms.

This means it's essential to act proactively to prepare your home and family for what’s shaping up to be an extraordinary hurricane season — especially if you live in Atlantic Canada. In this guide, you’ll find actionable steps you can take to make sure you and your family are well equipped to weather the storms ahead.

Understanding hurricane alerts

When a hurricane looms on the horizon, staying informed can make a world of difference. Hurricane alerts are designed to keep you informed about any potential hurricane threats.

Official hurricane alerts fall into two categories: hurricane watches and hurricane warnings.3 Here's what these alerts mean:

  • Hurricane watch: Hurricane conditions are possible within the next 36 hours in your area, so you should be prepared and on the alert.
  • Hurricane warning: A hurricane is likely to hit over the next 24 hours, so it's time to finalize your preparations and brace for impact.

You can monitor hurricane alerts through: 

If you're a TD Insurance customer, you can also sign up for Severe Weather and Safety Alerts on your TD Insurance App to get alerts directly on your phone. 

What should you do in the hours immediately before a hurricane?

When there's a hurricane on the horizon, last-minute preparations can make a huge difference. Here's what you can do in the hours leading up to the storm:

  • Pay attention to local weather reports and alerts.  If a hurricane watch becomes a warning, a hurricane can be expected within 24 hours, and you'll need to take shelter or evacuate your home.
  • Secure windows, doors, and vents.  Secure double doors with a heavy-duty bolt or with slide bolts at the top and bottom. Seal attic vents before a storm to close off entry points where water can get in. 
  • Protect your car. Park your car in a garage if possible, to protect it from high winds, flying debris, and flood waters. If you don’t have a garage, try to park away from trees or power lines, and keep your car close to a building for partial protection from the wind.
  • Prepare your car. Before the storm hits, fill your gas tank so that you’ll be ready to leave quickly if necessary. Make sure you have copies of your car insurance and registration documents in a waterproof container. It’s also a good idea to take pictures of your car before a storm, to help facilitate the claims process if you need to make an insurance claim after the storm.
  • Tidy your yard and put away loose items. Check your yard for fallen tree branches and other items that might be vulnerable to high winds. This includes heavy items like barbecues and patio furniture, which should be stored away or secured, as they can take flight in heavy winds.
  • Safeguard important information. Store your cash and credit cards, along with your household’s important documents (insurance policies, medical information, identification, and contact information, for example) in a waterproof container.

What can you do during a hurricane?

When a hurricane is in full force outside your doors, here's what you and your family can do to stay safe while you ride out the storm:

  • Stay indoors. Keep everyone inside and away from windows and glass doors. Close all curtains and blinds.
  • Keep doors closed. Close all interior doors and make sure outside doors are secured and braced.
  • Don’t be fooled by a lull in the storm. If you’re in the eye of the hurricane, the winds will pick up again.
  • Stay on the lowest level. Gather everyone in your household in a small interior room, closet, or hallway, or have everyone lie on the floor under a table or another sturdy object.
  • Stay alert. Keep listening to the radio, TV, or trusted social media sites for information.
  • Shut off propane and limit landline use. Turn off any propane tanks and avoid using your landline if it’s not an emergency.
  • Prepare your fridge. Turn your fridge to its coldest setting and open its doors as infrequently as possible, to help safeguard your food if you lose power.
  • Fill your bathtub with water. You might need it for drinking, for personal hygiene, and for flushing toilets.

What should you do after a hurricane?

The danger doesn't end when the storm does. Here's what you can do to stay safe once the hurricane has passed:

  • Keep monitoring local news and websites for updates. If you’ve received an evacuation notice, return home only when officials say it’s safe to do so.
  • Inspect your home for damage. When you can do so safely, inspect your home for any storm-related damage. Use flashlights or smartphone lights rather than candles, to avoid the risk of a fire. 
  • Take pictures of any damage. If your inspection turns up any storm-related damage, use your phone to take pictures, in case you need to file an insurance claim.

Year-round hurricane preparedness tips

Being hurricane-ready isn't just about making last-minute preparations. Here are several things you can do throughout the year to help you prepare for the next storm: 

  • Stormproof your roof. Strong winds create uplift that can cause shingles—or even the entire roof—to literally "take off". It's a good idea to perform regular roof maintenance—and be sure to make any necessary repairs as soon as you can. 
  • Keep your eavestroughs cleared. In addition to reducing the risk of  ice dams forming on your roof and letting water work its way under your shingles (and into your house!), regularly clearing your eavestroughs of any debris will allow water to flow freely to where it’s intended—through the downspout and away from your home. 
  • Prepare your windows and doors. For maximum protection, make sure your doors are pressure- and impact-rated. Consider installing shutters around your windows and applying anti-shatter weather protection film to the inside surfaces of the glass.
  • Strengthen your garage door. You can strengthen your garage door by installing garage-door braces. Do-it-yourself kits are available at your local home-improvement store, or you can contact a professional.
  • Prune trees and replace gravel. Make sure to keep an eye on your trees and remove any unhealthy branches. In your garden, replace gravel or stone with wood chips.
  • Keep an emergency kit handy. Be prepared for power and water outages with an emergency kit, which should include items like water, non-perishable food, flashlights, a battery-powered radio, fresh batteries, personal hygiene items and a first aid kit. Read more about preparing your emergency kit here.

Review your home insurance policy

As part of your pre-hurricane season preparations, it's also a good idea to go through your home insurance coverage to see if it meets your current needs. Hurricanes can cause unexpected and costly damage, so check if your policy covers the types of risks typical in your area during hurricane season, such as water and wind damage.

If you're a TD Insurance customer and need to file a claim after a hurricane, you can do so 24 hours a day, 7 days a week right from your phone. Depending on the circumstances and subject to your policy's coverage, we may be able to dispatch emergency services to provide solutions to mitigate further damage and put your safety first.

1https://www.getprepared.gc.ca/cnt/hzd/hrrcns-en.aspx

2https://www.noaa.gov/news-release/highly-active-hurricane-season-likely-to-continue-in-atlantic

3https://www.canada.ca/en/environment-climate-change/services/types-weather-forecasts-use/public/criteria-alerts.html#hurricane

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The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.

In the case of conflict between the content on this page and your policy wordings, your policy wordings shall take precedence.