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New From Intact: Roof Snow Removal Program

Business Insurance

By Joanne Lemna | March 9, 2017

On February 6 2017 large parts ofBC received their annual snowfall amountsin a period of only 72 hours. Residents elsewhere in Canada are also used to receiving these huge dumps of snow in a short time. While these winter storms’ precipitation causes an increased risk of roof collapse this can be made worse depending on the temperatures in the days that follow.

With events such as chinooks and changing weather patterns bringing a big storm a warm period and then a cold period the snow load on the roof is affected. The snow melts and condenses into ice which is heavier. More snow will fall on top and repeat the process each time increasing the amount of weight the roof has to hold up and therefore increasing the chance of a roof collapse.

Instead of waiting until a claim has to be made Intact believes that prevention is key. If you have a farm or commercial property insured with Intact you’re eligible for their Snow Removal Program.

How the Program Works

  • A prevention alert is issued via email. Intact will send out an email alert if conditions are conducive to a roof collapse. This is done by using data collected from weather stations combined with Intact’s experience in loss prevention.
  • Snow removal. Arrange to have a snow removal firm remove the snow from your roof (a professional is required for safety and effectiveness). Take before and after photos.
  • Reimbursement. Submit the before and after photos to your broker who will then send them into Intact. You’ll then be issued a cheque up to $1000 to cover the snow removal costs.
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