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Cottage Life

Last year’s top 10 Canadian weather events

Late in 2022, Environment and Climate Change Canada released its annual list of the top 10 weather events of the year. Sure, weather stats show that 2021 was more destructive, disruptive, and expensive than 2022. But last year was no weather picnic. Remember Fiona? Remember the billion-dollar derecho? “In 2022, Mother Nature either froze, buried, soaked, smothered, blew at, or frightened us at various times throughout the year,” the ECCC announced in its official roundup press release. Here’s which events made the top 10. Drum roll, please!

 

No. 1 Hurricane Fiona

No surprise here: Fiona topped the destruct-o list. She pummelled Atlantic Canada with rain, wind, storm surges, and waves; rainfall amounts topped 150 mm in parts of the Maritimes and eastern Quebec, and rainfall rates, at times, exceeded 30 mm per hour. Winds exceeded 100 km/h in five provinces, blowing, in some cases, for 12 hours straight, knocking down power poles and 100-year-old trees. It was “likely the most damaging hurricane in Canadian history,” says the ECCC. No kidding.

Insurance and government overlook cottagers affected by Hurricane Fiona

No. 2 The Ontario and Quebec derecho

If you didn’t know what a derecho was at the beginning of 2022, you do now. The group of thunderstorms that hit Ontario and Quebec over the May long weekend was the first time in the history of the ECCC’s weather service that the government issued a severe weather phone alert through the National Public Alerting System. According to the ECCC, the service only issues such an alert if winds reach 130 km/h or if the storm produces hail that measures more than seven centimetres (picture spheres the size of baseballs falling from the sky).

Experts weigh in on how damaging the May long weekend storm was

No.3 A wet, wet spring in Manitoba

Record amounts of melting snow combined with record amounts of rain—more than three times the 30-year normal—meant that the province experienced some of its most extensive and longest-lasting flooding in years. The heavy rainfalls happened intensely and quickly, faster than the still-frozen ground could absorb the excess water. Multiple rivers were at risk of overflowing; 45 municipalities and nine First Nation communities across the province declared local states of emergency.

Cottagers told to evacuate as severe flooding persists in southeast Manitoba

No. 4 Hot and dry all over

Summer 2022 was the third-warmest on record for Canada (2012 and 1998 were hotter); temperatures were, across the country, nearly 1.6°C “above normal.” A huge and persistent heat dome engulfed much of Western North America. It wasn’t as intense as the 2021 heat dome, but it lasted longer, and many weather-recording sites broke century-long records for August through October.

No.5 The double-coast wildfires

Even though the B.C. wildfire season started slowly thanks to a wet spring (see No.6), by July it was in full force. The first major blaze (the Nohomin Creek Fire) broke out on July 14 just west of Lytton, B.C. By the end of July, another major blaze, the Keremeos Creek wildfire, had broken out near Penticton. By the beginning of August, the provincial government had issued 1,000 property evacuations. On the other side of the country, meanwhile, parts of central Newfoundland were experiencing the worst wildfires in more than 60 years. Why? Summer temperatures were warmer by 2 to 3°C and rainfall was, across the province, up to 70 per cent below normal.

Over 300 properties, mountain resort, ordered to evacuate wildfire zone in B.C.

No. 6 Spring is winter in B.C.

In B.C., winter 2022 lasted until nearly the first day of summer. Multiple communities across the province had record-breaking lows over the Easter weekend. In fact, twenty-seven record-low temperatures were set on April 16; Vancouver registered its coldest day for that month since observations began in 1896. Nanaimo, meanwhile, experienced its wettest April since 1892. And in Victoria, between May 20 and June 18—a.k.a. the dry season—23 out of 30 days were wet. Ugh.

No. 7 Super-storms in the Prairies

July in the Prairies was stormy. Super stormy. At least four powerful and dangerous July thunderstorms barrelled from the Alberta foothills to eastern Manitoba, bringing rain, huge hail, gusty winds, and tornadoes. The first one hit the afternoon of July 7, developing over central and southern Alberta. The town of Bergen recorded an EF-2 tornado—wind speeds between 180 and 190 km/h. The next day brought golf-ball size hail and four more tornadoes in parts of Saskatchewan (near Paynton and Blaine Lake). Then, on July 9, yet another tornado touched down near Argyle. Unfortunately, that tornado-tastic storm was just the first in the month-long series of storms. Take a break, Mother Nature!

No.8 The “humongous” amount of rain in Montreal

September brought urban flooding—a phenomenon “that is becoming more frequent and more impactful”—to the Quebec city. Downtown, along with the eastern suburbs, received a month’s worth of rain in just two hours. The downpour swamped intersections and underpasses with up to a metre of water. Highways and streets had to close, and water poured into Montreal Metro stations. Flooded pipes and sewers shot manhole covers into the air, and cars were stranded. According to the ECCC, insurance losses totalled $166 million. This makes the Montreal rain event the third most expensive extreme weather disaster in 2022 after the Ontario-Quebec derecho and Hurricane Fiona.

How will climate change affect your property? A new tool shows you

No.9 Record-breaking cold to ring in the new year

In December 2021, an extremely cold air mass from Siberia descended across most of Northern and Western Canada. On Christmas Eve, the N.W.T’s Deadmen Valley recorded a low of -45°C. (The only place on earth colder was Yakutsk, Russia, at -48°C.) Elsewhere, at times, everywhere from B.C. to Northern Ontario was under an extreme cold weather warning, with wind chills ranging between -40 and -55. On December 26, Key Lake, Sask., plunged to -42.1°C (-50 wind chill); two days later, Edmonton, Alta., followed suit, breaking a record set in 1880. The new year was worse, especially for those in the Northwest Territories. Between January 5 and 7, the temperature in Whitehorse plummeted to -44.8°C and at Watson Lake it bottomed out at -52.2°C. (A record-low, of course.)

Do you dress for the cold weather the right way?

No. 10 Three weekends of January storms in Atlantic Canada

Atlantic Canada couldn’t catch a break in January 2022. During the first week of the year, a storm intensified into a bomb cyclone along the Eastern seaboard before arriving in the Maritimes. Cape Breton got the worst of the storm’s snow: up to 50 cm. Then, on January 15, Cape Breton got another smackdown as a similar storm from the mid-Atlantic directly hit it. Poor Cape Breton. Finally, at the end of the month, a third weekend storm formed in the south before walloping New England and getting stronger as it closed in on Canada. In New Brunswick, the added snow, dumped onto already huge snow drifts, lead to zero visibility conditions, and northern parts of Nova Scotia were hit with more than 40 cm. Snow-maggedon!

And…that’s a wrap on 2022. Let’s see what 2023 brings. Get ready.

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Cottage Life

This insurance company is one of the only ones that offers storm surge coverage

By the time Hurricane Fiona struck the coast of Atlantic Canada, wind speeds were well above 100 km/h and the rain was pouring so hard you couldn’t see through it. As the storm moved north along the coast, touching down in PEI, Nova Scotia, Newfoundland, and sections of Eastern Quebec and New Brunswick, houses were flattened, trees were uprooted and toppled across roadways, ocean waves devoured the coastline, and lives were lost.

At an estimated $660 million in insured damage, Hurricane Fiona is the most expensive weather event to ever hit the east coast, and the tenth most expensive in Canadian history, according to the Insurance Bureau of Canada.

But a handful of cottagers in PEI and Nova Scotia aren’t included in this insured damage data. That’s because most Canadian insurance companies don’t cover damages caused by storm surge—when the ocean rises above its predicted level.

With the climate changing so quickly, the risk modeling needed to develop prices for coastal flood coverage is highly complex. Without accurate risk modeling, the risk is deemed too high to make the coverage affordable and available, the Insurance Bureau of Canada says.

This means that many of the Atlantic Canada cottagers whose properties were swept away by ocean waves will have to pay out of pocket to rebuild.

A Guelph-based insurance company is trying to change this. In 2015, after watching floods ravage properties in both Calgary and Toronto, Co-operators Insurance introduced its Comprehensive Water coverage.

“We saw that there was an unmet need, and we felt compelled to offer a flood coverage that was more comprehensive and available to all Canadians, regardless of their risk,” says Michelle Laidlaw, Co-operator’s assistant vice president of national product portfolio. “What we’ve seen is that incidents of extreme weather, like flooding, in our country have become more sudden, more frequent, and more severe. This is a cost to Canadians, and we expect this trend to continue as we face a climate crisis.”

Co-operators launched its Comprehensive Water coverage in Alberta in May 2015. It’s since introduced the coverage across the country, making it available to Atlantic Canada in 2018.

The company’s Comprehensive Water coverage protects against storm surge, waves and spray caused by a hurricane or storm, flooding from a natural or man-made body of water, such as a pond or river, flooding from heavy rainfall or snowmelt, sewage, and septic backups, and a rising water table.

It’s not an easy insurance product to provide, Laidlaw admits. With the climate crisis accelerating, the way the company calculates risk and premiums is always changing. “It’s a risk-based pricing model,” she says. “What that means is that some clients who are in higher-risk areas will have a higher cost. So, premiums are based on the client’s specific needs and the risks associated with their property.”

When calculating premiums, the company looks at a complex list of factors, including a property’s proximity to water, its flooding history, its elevation, soil type, and whether it has a loss prevention device, such as a sump pump. Premiums are specific to a customer, meaning someone in a high-risk zone could pay thousands of dollars a year, while someone in a low-risk zone could pay hundreds.

The insurance covers all types of properties, including cottages, regardless of whether the inhabitant owns or rents. According to Laidlaw, 60 per cent of Co-operators’ Atlantic Canada clients have purchased Comprehensive Water insurance. The company is the third largest insurer in Atlantic Canada, accounting for 11 per cent of the market share.

Co-operators’ claims team is on the ground in Atlantic Canada, working to provide support to its clients by processing claims as quickly as possible, including damage caused by storm surge.

“We continue to educate and promote this product in Atlantic Canada and across the nation. We are encouraging our clients to take this product and to be aware of their flood risks,” Laidlaw says. “We know it’s significantly changing the landscape of where Canadians choose to live.”

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Cottage Life

What cottagers need to know about Hurricane Fiona financial relief programs

Prime Minister Justin Trudeau has announced the creation of the Hurricane Fiona Recovery Fund. The fund includes $300 million that will be used over the next two years to aid those impacted by the post-tropical storm that hit Atlantic Canada and Eastern Quebec on September 24.

In a statement, Trudeau said that the fund will cover the costs of rebuilding businesses, fishing wharves, and other infrastructure not covered under the Disaster Financial Assistance Arrangements (DFAA).

The DFAA covers 90 per cent of a province’s expenses following a disaster, including transportation, emergency food, shelter, and restoring or replacing uninsurable dwellings and items, such as books and furnishings. A province is eligible for the DFAA when its own disaster response and recovery program is spending over $1 per capita of the province’s population.

In the case of Hurricane Fiona, financial assistance through the DFAA is limited to those who have their primary residence in the affected province. This means cottagers and other secondary property owners aren’t eligible—unless they live in the province, and then the financial assistance would only apply to their primary residence.

Eligibility for the Hurricane Fiona Recovery Fund is still being ironed out, but it’s likely it will follow the same criteria.

“That is pretty standard for these kinds of programs, in our experience,” said Dan Bedell, a spokesperson for the Red Cross, which is handling the distribution of financial aid to residents in Nova Scotia, PEI, and Newfoundland and Labrador. “It is the case with these three [provinces] that we’re supporting…It’s for people who have been displaced from their primary residence, which means it’s the home that they live in either year-round or the most. It normally does not cover cottages, secondary homes, things like that.”

Nova Scotians whose primary residence is unlivable are eligible for $1,000 through the Red Cross. In Newfoundland and Labrador, households that were evacuated from their primary residence and returned by September 30 are eligible for $1,000, and households that were not able to return by September 30 are eligible for $10,000. In PEI, anyone with a primary residence in the province at the time of the storm is eligible for $250.

In Nova Scotia and Newfoundland and Labrador, Bedell said you have to show proof of being impacted, but in PEI, “the only criteria [is] that you be a resident of Prince Edward Island at the time, and that you have some photo ID or something that confirms that you are who you say you are,” he said. “Just yesterday, for example, there were about 5,000 [PEI residents] that received an e-transfer. That was about $1.25 million just in one day.”

Each of the three provinces is also offering further financial assistance under the DFAA. Once again, only those with a primary residence in the province are eligible.

In Nova Scotia, the province’s Disaster Financial Assistance Program covers damage to a property owner’s primary residence, clean-up costs, and the loss of uninsurable items, such as appliances and furniture. Up to $200,000 per person is available for these repair and replacement costs. The province makes it clear, though, that insured or insurable items (even if insurance wasn’t purchased) aren’t eligible.

Newfoundland and Labrador has allocated $30 million to aid impacted residents and communities. It will follow similar criteria to Nova Scotia. And PEI has said that the amount allocated to impacted individuals will depend on each unique situation.

Those in need of serious financial assistance should document the damage with pictures and then apply for their province’s financial assistance program through their respective government’s website. Individuals have until January 31, 2023, to apply.

For those looking to apply for the funds being distributed by the Red Cross, Bedell said they can register online or call the Red Cross’ toll-free number at 1-800-863-6582. “As of this morning, we had registered through that process, and this is across the four Atlantic provinces, 30,729 households, which represented 65,613 people. And that number goes up every day as more and more people register,” he said.

As for cottagers, especially those whose primary residence is outside the Atlantic provinces, they’ll have to rely on insurance to cover any damages.

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Mobile Syrup

Here are the biggest Canadian telecom stories of the week [Sept. 24-29]

Atlantic Canada was hit by Hurricane Fiona a week ago, impacting telecommunications services for thousands. Here’s a roundup of how carriers responded and other telecom developments over the last week.

Business

Spam calls are incredibly annoying, but the worst part is that there isn’t much people can do about it. While the Canadian Radio-television and Telecommunications Commission (CRTC) mandated all service providers to implement STIR/SHAKEN technology to curb spam calls in November, various factors have stopped the technology from taking full effect. Unfortunately, until these factors are addressed (or people choose to implement third-party technology), Canadians will continue to receive unwanted calls.

Xplore is extending its fibre services in Quebec under the provincial government’s Operation Haute Vitesse program. The service provider is currently working on giving access to 6,000 homes and businesses.

Telus will use Palo Alto Network’s security software on its 5G network.

Several service providers, including Telus and Freedom Mobile, waived charges for long distance calls and texts to Iran as protests continue in the country.

Following Hurricane Fiona’s arrival on September 24th, several carriers offered impacted customers various forms of assistance. Bell gave customers 50GB of extra data, Eastlink applied free data overages and top-ups, and Telus waived long-distance charges for calls, text, and data overages.

Government

Nova Scotia Premier Tim Houston sent a letter to Minister François-Philippe Champagne complaining about the “poor participation and support” of telecom companies before, during, and after Hurricane Fiona made downfall. “I’m asking you, as the Minister who oversees these companies, to consider all potential legislative and regulatory means to hold telecommunications companies accountable for participating in emergency planning, preparedness, response, mitigation, and recovery to the fullest extent possible,” Houston wrote. However, several companies have spoken up in their defence, stating they participated where possible.

Ministers Champagne and Chrystia Freeland met with telecom companies on the same day Houston shared his letter, according to a statement Champagne made on Twitter. It’s not clear if the parties met before or after Houston published the letter.

Deals

Rogers flanker brand Chatr is offering new activations 2GB of bonus data for 12 months. The bonus applies to most plans the brand offers and expires on October 3rd. You can find more details here.

Image credit: @TimHoustonNS/Twitter

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Mobile Syrup

Ministers Champagne and Freeland met telecom companies following Hurricane Fiona

Canada’s Innovation Minister met with telecom companies on the same day Nova Scotia Premier Tim Houston posted a letter outlining his disappointment in those companies during Hurricane Fiona.

Minister François-Philippe Champagne says he met with executives from Bell, Rogers, Telus, Eastlink, and Xplore, along with the Minister of Finance, Chrystia Freeland. Houston named all of these telecom companies, except Xplore, in his letter.

In a statement shared on Twitter, Minister Champagne says companies made situation reports and network status’ available. There is no mention of Houston’s letter or his disappointment. Instead, Champagne’s statement appeared positive, reminding readers of the recent agreement of assistance between telecom providers. 

“More importantly, we reminded them of their commitment to transparency in that agreement, which includes providing clear and timely communications to keep Canadians and relevant authorities informed about responses and restoration efforts during major network outages.”

The statement goes on to say telecom providers were told to review any logistical and procedural gaps concerning emergency response plans and to work with their partners.

It’s not clear if Minister Champagne met with the companies before or after receiving Houston’s letter.

Image credit: @TimHoustonNS/Twitter

Source:@FP_Champagne/ Twitter

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Mobile Syrup

Nova Scotia’s Premier says carriers offered ‘poor participation’ during Hurricane Fiona

Nova Scotia’s Premier is calling out Canada’s telecommunications companies on their “poor participation and support” before, during, and after Hurricane Fiona.

Premier Tim Houston shared details in a letter sent to François-Philippe Champagne, Canada’s Minister of Innovation, Science and Industry.

The letter states the Province’s Emergency Management Office (EMO) began preparing for Fiona’s landfall one week before it arrived and requested representatives from its infrastructure partners be sent to the Provincial Coordination Centre.

“Given the expected impacts on power and telecommunications, having a representative attend in person was imperative for optimal collaboration.”

Initial requests were left unanswered. Complaints from EMO led Bell to send one representative who was present in person for two days before working virtually. Eastlink, Rogers, and Telus participated virtually but failed to send a representative in person following the initial response. It was only after three days of public and media pressure did representatives attend in person.

Houston says cellular and landline services have improved, but some cell towers are running on generators, and reliable service isn’t available in Cape Breton.

While other key companies, including Nova Scotia Power and the Canadian Red Cross, were willing to participate in press briefings to share updates with residents, telecom companies were not. When a rep is made available, they’re unable to answer questions, he said.

“I’m asking you, as the Minister who oversees these companies, to consider all potential legislative and regulatory means to hold telecommunications companies accountable for participating in emergency planning, preparedness, response, mitigation, and recovery to the fullest extent possible,” Houston concludes in his letter.

Bell released the following statement in response to Houston’s statement.

Image credit: @TimHoustonNS/ Twitter

Source: @TimHoustonNS/ Twitter

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Mobile Syrup

Carriers waiving fees, offering extra data in Atlantic Canada amid Hurricane Fiona

Canadian carriers have launched various initiatives to aid customers in Atlantic Canada as Hurricane Fiona hits the region with record intensity.

Many residents have been advised to stay home amid the deadly storm, and widespread outages have been reported across the provinces.

As Canadians are forced to hunker down and wait out the hurricane, here’s how the carriers that service this region are responding to the situation.

Bell

The Montreal-based telecom is giving Bell Mobility postpaid customers (consumer and small business) in Atlantic Canada and Îles-de-la-Madeleine an extra 50GB of data between September 24th and 28th.

The company has also pledged a $50,000 donation to Red Cross Canada to support relief efforts, and customers can also test FIONA to 20222 to donate $10.

Fido

The Rogers-owned carrier is giving Atlantic Canada customers (Consumer, Business or Employee accounts) an extra 50GB of mobile data to use between September 24th and 28th while waiving fees for long-distance calls within Canada.

Eastlink

The Halifax-based company is automatically applying free data overage and top-ups until September 28th. It adds that it will “reassess” at that time.

Koodo

The Telus flanker brand is waiving any Canada-wide data, calling, and pay-per-use overages for customers in Atlantic Canada beyond what’s included in their current Mobility rate plans and add-ons between September 24th and 30th. The company notes that you may still be charged during this billing cycle, but you will receive a credit to waive the fees on your next bill.

Rogers

The Toronto-based media giant is providing “eligible customers” with an extra 50GB of mobile data between September 24th and 28th and waiving long-distance call fees within Canada. The company hasn’t clarified who, exactly, counts as “eligible,” so we’ll update this story once we hear more.

Telus

The Vancouver-based company is waiving long-distance charges for calls, text and data overages for customers impacted in Atlantic Canada. Like the other carriers, Telus promises to donate $50,000 to relief efforts, although it simply says “local charities” instead of naming a particular one like Red Cross Canada. Customers can also donate $20 to the Telus Friendly Future Foundation by texting DONATE to 41010.

Virgin Plus

Postpaid members (not including Unlimited or Talk & Text plan subscribers) in Atlantic Canada and the Magdalen Islands will get an extra 50GB of mobile data to use from September 24th to 28th.


To anyone who is in Atlantic Canada or has family there, please stay safe!