Mixed precipitation raises claims risk as Maritimes brace for major storm

Snow, ice and wind elevate auto, property and liability exposures

Mixed precipitation raises claims risk as Maritimes brace for major storm

Catastrophe & Flood

By Jonalyn Cueto

A series of weather systems is bringing significant snow, freezing rain and strong winds to the Maritimes, prompting Environment Canada to issue multiple warnings and special weather statements across the region.

The wintry conditions could disrupt travel and daily operations for residents and businesses throughout New Brunswick, Prince Edward Island, and Nova Scotia as two low-pressure systems converge on the region.

Heavy snow risk concentrated in New Brunswick

Northern and eastern New Brunswick face the most severe snowfall, with Environment Canada warning of 15 to 25 cm of accumulation. A band of 10 to 20 cm is being modelled across the northern half of the province, with higher localized totals potentially reaching 20 to 30 cm.

The remainder of New Brunswick, along with Prince Edward Island and parts of northern Nova Scotia, will likely experience a more complex mix of snow, ice pellets, and freezing rain. These areas could still see 5 to 10 cm of snow but face an increased risk of icy surfaces due to freezing rain.

Mixed precipitation elevates ice exposure

Prince Edward Island will initially see snow, then change to ice pellets and then freezing rain by Sunday evening. Precipitation is expected to return to snow early Monday morning, accompanied by strong winds.

In Nova Scotia, periods of snow, ice pellets and freezing rain are expected starting early Sunday through Sunday night for Antigonish, Colchester, Hants and Pictou counties. Freezing rain warnings are in effect for Annapolis, Cumberland and Kings counties.

Much of Nova Scotia will experience a quicker transition from snow to rain, though the risk of freezing rain remains highest in the interior and across the north and east. Rain could be heaviest on the Atlantic coastline, potentially totalling 15 to 40 mm in some areas.

Strong winds will add to the challenging conditions. Widespread gusts of 40 to 60 km/h are expected, with gusts of 60 to 80 km/h on exposed coastal areas. In Cape Breton, Les Suêtes winds of up to 100 km/h are expected in Mabou and northward in Inverness County.

Insurance industry braces for claims

The forecast underscores the importance of winter preparedness measures, particularly for small businesses and municipalities. Brokers may see increased demand for guidance around snow-removal contracts, risk transfer language and business continuity planning as conditions deteriorate.

For personal lines, insurers are likely to see elevated auto losses as freezing rain creates near-invisible hazards, while property claims could emerge in the days following the storm as melting snow and ice reveal water intrusion issues.

Commercial clients operating fleets, construction sites or public-facing facilities may face heightened liability exposure if ice management protocols are insufficient or poorly documented. As with many Atlantic winter storms, losses may be modest on an individual basis but accumulate quickly across portfolios.

Environment Canada expects conditions to improve from west to east late Sunday night into early Monday morning. However, lingering impacts (such as icy surfaces, power disruptions and cleanup delays) could extend operational challenges into the workweek.

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