Almost without warning, some wicked storms touched down in the Muskoka Lakes area recently, wreaking havoc on residents and cottagers alike. Powerful winds knocked down trees and hydro poles, leaving thousands in the dark and without power. But as if the winds were not enough, Mother Nature decided to add her own fireworks, causing 3 separate buildings to go up in flames as a result of lightning strikes.

In Bala, lightning hit a tree, causing a fire that quickly spread to a large cottage. Despite the efforts of 3 fire departments, 11 fire trucks and a fire boat, the 1400 square foot cottage could not be saved.

Earlier this month, a home near Magnetawan suffered more than $50,000 in damages following a fire thought to be caused by lightning.

More recently, Ashby Glass Studio in Bracebridge was left in ruins after lightning ignited the studio.

Fire is not the only risk to cottage property; damage caused by water and wind during the winter and early spring accounts for most insurance claims. Cottagers are reminded to take steps to protect their property prior to closing up their cottages for the winter.

You can’t control Mother Nature, but you can control your insurance policy. Be certain that your policy covers the total value of your property and includes coverage for risks most prevalent in your neck of the woods.

For a comprehensive review of your cottage policy, contact your broker.