Snowed Under

Navigating Home and Auto Insurance After Historic Snowfalls in Nova Scotia and PEI

The recent historic snowfalls in Nova Scotia and Prince Edward Island have left many of us in awe and, in some cases, concern over the impact on our homes and vehicles. It’s also a great time to review what winter proofing your home should look like as we’re reminded of winter.

As we shovel out and assess any potential damages, it’s crucial to understand how our home and auto insurance policies come into play.

Here’s a guide to help you navigate the aftermath with confidence.

Home Insurance: What’s Covered?

Snow and ice can wreak havoc on our properties. Most home insurance policies cover damages such as roof collapses due to the weight of snow or water damage from melting snow infiltrating your home. However, it’s essential to know the specifics of your policy. Document any damage thoroughly with photos and contact your insurance provider as soon as possible to report a claim.

Preventative Measures for Homeowners

Preparation is key to minimizing damage. Before the next snowstorm hits, consider:

  • Removing snow from your roof to prevent overaccumulation.
  • Insulating pipes to avoid freezing and bursting.
  • Conducting post-storm maintenance checks to catch any damage early.

These steps can not only save you from potential headaches but might also mitigate the extent of a claim.

Auto Insurance: Navigating Snow-Related Claims

Vehicles are not immune to the perils of heavy snow and ice. If you find your car damaged due to slippery conditions or falling debris, your auto insurance policy is there to help. Ensure to report any incidents to your insurance company promptly and keep a record of the damage for your claim.

Safe Driving Tips in Snowy Conditions

Reducing the risk of accidents during snowfalls is paramount:

  • Always clear your vehicle of snow and ice before driving.
  • Equip your car with winter tires for better traction.
  • Keep an emergency kit in your vehicle, including blankets, a flashlight, and water.

Adhering to these tips can prevent accidents and, consequently, insurance claims.

Insurance Policy Review: Staying Prepared

The best time to review your insurance coverage isn’t after you’ve already encountered damage—it’s beforehand. Annually reviewing your policies ensures you have the appropriate coverage for your current situation. If you’re unsure about your coverage limits or what your policy entails, Cluett Insurance is here to help.


The beauty of a winter landscape can quickly turn into a cause for concern when your property or safety is at risk. Understanding your home and auto insurance coverage, taking preventative measures, and knowing how to navigate the claims process can make all the difference in these challenging times.

Don’t wait for the next snowstorm to find out if you have adequate coverage. Contact Cluett Insurance today for a comprehensive review of your insurance policies. Our team is ready to assist with any claims, answer your coverage questions, and ensure you’re fully prepared for whatever winter throws your way.

Reach out to us today to see if we can help!