Don't kid yourself though. Even though we weren't directly hit, those losses in other parts of the province/country WILL eventually have some percentage of an affect on everyone's premiums.
Possibly. But I got a discount after clarifying with my insurer that I have a very good condition roof, recently reshingled, and that are stated to be more weather resistant (probably bs but anyway) and all stucco exterior. 300bucks sliced off from what I otherwise paid.
In anycase I'll buck if our rates are going up due to the oversights of others. If some other idiot builds on a cliff, floodplain or "high River" or Calgary it shouldn't be my problem they are idjits
Edmonton has far far less weather claims than Calgary. That should be reflected, regionally. If not I walk to an insurer that does factor something like that in. Or I change to increase deductible for some things that are rarities here.
But my car insurance is up. Gotta ask about that. lol, don't even know if I have hail coverage. I don't even care about the vehicle anymore..