How Snow Removal Affects Your Insurance Policy
Winter in the Greater Toronto Area (GTA) and York Region is a reality we’re all familiar with. Snow and ice are part of life here, but they bring more than just a picturesque landscape. For homeowners and commercial property managers, the challenges of winter weather extend beyond shovelling driveways or salting pathways—they can directly impact your insurance policy.
Whether you’re maintaining a residential or commercial property, understanding the link between snow removal and insurance is crucial. Ignoring your snow-clearing responsibilities could lead to denied claims, increased premiums, or even legal liability.
This blog will explore the key ways snow removal affects your insurance policy and why professional maintenance can save you both time and stress.
Liability Risks of Snow and Ice
In Canada, property owners have a legal obligation to keep their premises safe for visitors, tenants, and passers-by. Snow and ice present a significant hazard during the winter months, increasing the risk of slip-and-fall accidents. These incidents can quickly escalate into liability claims.
For example, if someone slips on an icy driveway or falls on an uncleared walkway leading to your home or business, you could be held responsible. This type of negligence can result in lawsuits or hefty insurance claims.
From an insurance standpoint, liability coverage typically includes protection for such accidents. However, policies often contain clauses that require property owners to exercise reasonable care. Failing to remove snow and ice promptly could be considered negligence, leading to a denied claim.
How Failing Snow Removal Impacts Insurance Claims
When it comes to insurance, documentation and due diligence matter. If an accident occurs on your property, your insurer may investigate whether you took reasonable steps to prevent it. If they find you were negligent—for example, by ignoring snow buildup for days—your claim could be denied.
Even more concerning, repeated claims stemming from poor property maintenance can tarnish your insurance record. Once insurers flag you as high-risk, you may face higher premiums or reduced coverage options.
Preventing this scenario is simple:
- Act quickly after snowfall: Clear walkways, driveways, and steps as soon as possible.
- Keep records: Document snow-clearing efforts with photos or receipts, especially if you hire a professional service.
By being proactive, you protect yourself from disputes over liability and ensure smoother claim handling in case of an accident.
Insurance Premium Increases: The Cost of Neglect
Frequent insurance claims, even those stemming from avoidable situations, can lead to increased premiums. Insurers view multiple claims as a sign of risk, and they’ll price your policy accordingly.
For instance, if icy conditions on your property cause a vehicle accident or a slip-and-fall injury, you might think your insurance will cover the damages. But repeated incidents raise a red flag. Over time, insurers may adjust your premium upwards or even refuse to renew your policy altogether.
The good news? Preventative measures such as timely snow removal can significantly reduce the likelihood of claims. By avoiding accidents entirely, you keep your premiums stable and maintain a positive relationship with your insurer.
Related Article: Preventing Slip-and-Fall Accidents: The Role of Commercial Snow Removal in Liability Protection
The Role of Professional Snow Removal Services
Snow removal can be a time-consuming, physically demanding task—especially during heavy snowfalls. Hiring a professional service ensures your property remains safe while protecting your insurance coverage.
Here’s how professional snow removal services make a difference:
- Compliance with Bylaws: Many municipalities in the GTA have strict regulations about when and how snow should be removed. Professionals understand these rules and work within their timelines, ensuring you stay compliant.
- Thorough and Reliable Work: Snow-clearing experts use specialized equipment to remove snow and ice efficiently, reducing the chance of dangerous patches being missed.
- Reduced Liability Risks: With professionals handling your snow removal, you minimize the risk of accidents and the potential for legal or insurance complications.
- Time Savings: By outsourcing the work, you free yourself from hours of labour, allowing you to focus on other priorities.
Green Side Up Contracting has years of experience in property maintenance, including snow and ice removal services tailored to the GTA’s unpredictable weather. Our team ensures your property is safe, compliant, and ready to weather the winter.
Related Article: The Hidden Costs of DIY Snow Removal for Commercial Properties
Local Snow Removal Bylaws in the GTA
It’s not just insurance policies you need to think about—municipal regulations also come into play. Many cities and towns in the GTA require property owners to clear snow from sidewalks within a specific timeframe after snowfall. Failing to comply can result in fines or penalties.
For instance:
- Toronto: Residents are typically required to clear sidewalks within 12 hours after snowfall ends.
- Vaughan: The bylaw specifies that snow and ice must be removed promptly from public-facing sidewalks.
Staying on top of these regulations can be challenging, especially during frequent snowstorms. Hiring a professional service ensures you’re always in compliance, eliminating the risk of fines.
Why Proactive Maintenance is Key
When it comes to snow removal, the old saying holds true: prevention is better than cure. Proactive snow clearing keeps your property safe and protects you financially and legally.
Some practical tips to stay ahead:
- Establish a snow removal plan: Don’t wait for a storm to hit. Plan your snow-clearing strategy in advance, including whether to handle it yourself or hire a professional service.
- Inspect your property regularly: Check for icy spots, uneven surfaces, or other hazards that could lead to accidents.
- Invest in quality tools or services: If you’re managing snow removal yourself, ensure you have proper shovels, salt, or de-icers on hand. If hiring, choose a reputable contractor like Green Side Up Contracting.
By taking these steps, you reduce risks, stay in line with insurance requirements, and maintain a safe environment for everyone.
Related Article: Are Landlors Responsible for Snow Removal in Ontario, or the Tenants?
Stay Safe and Insured This Winter
Snow and ice are part of life in the GTA, but they don’t have to be a liability. By understanding the connection between snow removal and your insurance policy, you can take proactive steps to safeguard your property and finances.
Neglecting snow removal can lead to denied insurance claims, increased premiums, or even costly legal battles. On the other hand, timely maintenance—whether handled personally or through professional services—keeps your property safe, compliant, and insurance-friendly.
At Green Side Up Contracting, we specialize in making winter maintenance stress-free. With our reliable snow removal services, you can enjoy peace of mind knowing your property is in expert hands.
Contact us today to learn how we can help keep your property safe this winter.