Water Coverage

Flooding can occur at any time throughout the year, but while springtime brings the nicer weather, it also brings snow and ice melts and seasonal rains begin. Floods are fast becoming the most common weather related cause of residential property damage.

Currently there are flooding concerns for the GTA area, Ottawa area and cottage country as more rain is forecast for the remainder of the week. Rainfall warnings are in effect for another 25 to 40 mm of rain for the GTA and cottage country amid concerns of high water levels in lakes and rivers. A state of emergency remains in effect for areas of cottage country and Ottawa (April 2019).

Protecting Your Property Before, During and After a Flood:

Make sure you have the proper coverage in place on your home insurance policy.

Overland water – Coverage for water damage caused by overflow of a lake or river, heavy rain or rapid snowmelt that enters your home from a point at or above ground level.

Sewer backup – If water backs-up and flows into your home from your municipal sewer system, private septic system or through sump pump failure, this endorsement has the coverage you need.

Ground Water - offers protection for events when ground water enters your home suddenly and accidentally through basement walls, foundation or floors.

Before –
Make sure your important home equipment (washer, dryer or hot water heater) are above the expected flood levels. Inspect sump pumps and drains and test your battery backup.
If you own a generator you may be able to have a licensed electrician set up a transfer switch to your sump pump to ensure it will keep operating even during a power outage. If you live in a flood prone area keep sandbags on hand to divert unusually high water levels away from your foundation.

During –
Listen for alerts by radio or television. If advised to evacuate, shut off all utilities, then leave immediately. Move to high ground and avoid any downed power lines.

After –
Inspect your home for any water damage and promptly report losses to your insurance company.

Interested in talk to use about insurance? Send us a note here, and will we get back to you.