If you ever wanted to measure how well a community gets along, monitor how they shovel snow.
Some neighbours stop their snow shovel right at the hard edge of their property, while other neighbours shovel snow off the sidewalks of the 5 houses next to them. It’s an interesting social experiment, but for the snow shovelling slackers, what does the law actually say?
Generally speaking, across Canada, there are bylaws in place forcing you to shovel your sidewalk, or you may face fines.
How cities shovel snow
In Toronto’s municipal code book, “Steps, landings, walks, driveways, parking spaces, ramps and similar areas of a yard shall be cleared of snow and ice within 24 hours of snowfall to provide safe access and egress for persons and vehicles.”
However, in Toronto’s downtown core, where sidewalks cannot be plowed by a city service, you need to shovel snow off your sidewalk within 12 hours or face a $100 fine plus a $25 surcharge from the city.
In Montreal, Ottawa, Winnipeg, Halifax, and Moncton, to name a few, the city takes the onus of snow removal from the sidewalks.
In other major cities, it’s on the residents to clear the snow.
Calgary requires snow to be cleared within 24 hours, or they’ll receive a warning. If it’s still not clear, the city will do it for them and charge them accordingly for the services provided.
Edmonton residents get 48 hours after a snowfall and a $100 fine if they don’t do it, or $200 on a second offence. Edmontonians may end up in court if they continually fail to shovel the snow.
Regina, it’s also 24 hours in the downtown core, 48 hours elsewhere, and fined $100 if they don’t.
Saskatoon has to clear their sidewalks within 48 hours, or if you’re downtown, it needs to be done within 24 hours. If you don’t do it, the city will shovel your snow, and add the charges to your property taxes.
Vancouver requires residents to shovel snow by 10 am the next morning or face a fine of $200. Businesses may face penalties of up to $2000.
How Snow Shovel Bylaws work
Bylaw enforcement, however, is lax. Generally, you’ll have to initiate a lack of snow shovelling complaint against your neighbour. In most municipalities, across Canada, you can do this by dialling 3-1-1.
Here is what happens after snow clearing bylaw complaint is registered:
- A file is opened listing your concerns
- A Municipal Enforcement Officer (MEO) investigates within four business days
- The MEO either issues a warning notice with directions to fix the problem within a set time frame or issues the $100 fine immediately, depending on the circumstances
- the officer may issue an order for the City to clear the snow and ice from the sidewalk and bill the property owner for the cost; and
- the City may contact you to appear as a witness if the matter goes to court.
If no one complains, the likelihood of a behavioural change is slim. Do you risk complaining if, in a worst case scenario, you have to appear in court, staring face to face with that neighbour? Especially when you don’t own the sidewalk in the first place. If you don’t own it, and someone were to slip on the sidewalk adjacent to your property and injure themselves, what happens?
How snow shovelling affects your home insurance
When reviewing home insurance quotes, did you look at how much personal liability coverage you had? In Canada, liability coverage for house insurance ranges from $100,000 to $5,000,000. If someone injures themselves on the sidewalk in front of your house and opts to file a claim, the claim will be against the city, not you.
However, if you haven’t shovelled the snow creating a safe path, free of slippery ice, to your home, and they slip on your steps and injure themselves on your front porch, the injured person can file a liability claim on your property insurance. Liability isn’t the only coverage you need when it comes to snow clearing.
The importance of an Overland Water endorsement on your house insurance policy
Climate change brings sporadic weather changes. One day, there’s 30cm of snow, the next day, the temperature rises melting the snow leading to flooding. Floods are the most costly natural disasters in Canada concerning property damage. If you’re not clearing the snow from the property around your home, it will melt and could seep into your foundation. If there are cracks in your foundation, it could get into your basement which the Insurance Bureau of Canada estimates will cost an average of $43,000 to repair. I had snow on my roof suddenly melting during a thaw preceded by record snowfalls. I didn’t have proper eavestroughs installed, and the water ended up in my basement, it’s a reality so be prepared for it.
With this in mind, an overland water add-on to your home insurance should be essential. Overland water protects water that comes into the home from freshwater sources such as an overflow of rivers, lakes, ponds or rain and snow accumulation.
How snow shovelling affects your car insurance
A person convicted of shovelling snow onto city streets is liable for a fine of up to $5,000 (Toronto Bylaw 719-5). The penalty is so high because that shovelled snow can be a dangerous road hazard. An accident on the road due to slipping on snow or ice can negatively affect your car insurance if you have to make a claim. You can report this anonymously with 311 as illegal dumping. It’s handled by Toronto’s Right of Way Management.
Remember to take extra time to clear the snow off your car’s roof and windshields before driving and ensure you have winter tires on and give a little extra space between you and the car in front of you. Car accident claims go up during the winter months.
The Bottom Line
Be a good neighbour and help shovel the snow off your sidewalk and while you’re at it, clear your neighbours’ sidewalk, too. A good community supports each other. Also, If you’re on vacation, it’s nice to rest easy knowing your neighbour will clear your sidewalk; reciprocity is a wonderful thing – bylaws, not so much.
- 10 Tips for Safe Winter Driving
- How to Prepare your Car for Winter
- How to Prevent Water Damage to Your Home in Winter
- Winter Home Maintenance Guide