Reduce the Risk of Flood Damage

Water Droplets on Black Asphalt Road during Night Time

Spring signals the welcome return of warmer weather but before we can bask in the sun, we need to keep an eye on spring thaw, which can increase the risk of a flood. In fact heavy rainfall can do the same thing so preventing flood damage is a worthwhile investment in your home.

The Risk of Floods

Floods can pose a serious problem for homeowners. Replacing the contents of your basement (and flooring and walls if it is finished) and the cleanup is both expensive and time-consuming. A significant challenge is the risk of mold infestation, which can expand unseen in out-of-sight spaces. However, there is also the more immediate danger of coming into contact with floodwater that could be electrified as well as having been contaminated with sewage.

Coverage For Floods Under Canadian Home Insurance Policies

Even homeowners with home insurance policies need to be concerned about the risk of a flood, because coverage for such events under Canadian home insurance policies is not assured. For example, overland floods that see floodwater entering through doors and windows is never covered under Canadian home insurance policies, which can be an unpleasant surprise. Update: Overland Flood Insurance now available in Ontario. However, some Canadian home insurance policies can provide coverage for sewage backups that can cause further problems in floods.

How You Can Protect Your Home From Being Flooded

There are steps you can take to protect your home if your region is at risk for a flood. While some of these measures can be carried out in the short run, others call for a long-term commitment.

Here are some examples of how you can protect your home from being flooded:

  • Reduce your exposure: The simplest and straightforward method for reducing the risk of your home being flooded is to reduce its exposure. For example, if you clear the snow build-up close to your foundation, the reduced exposure to the melt should reduce its chances of seeping in.
  • Ensure your downspouts are draining properly by removing potential obstacles, such as leaves, and checking to see if they are channeling water away from your home.
  • Clear any blockages in roadside catch basins to make sure water can flow into them rather than somewhere less convenient.
  • Regularly inspect your home to make sure your foundation can keep excessive water from seeping in.
  • Install a sump pump in your basement if it is prone to flooding.
  • Landscape renovations can also make the ground surrounding your home less prone to flooding, though this can be expensive.

Are You Covered for Flood Damage?

If you’re not sure you are covered for flood damage, or would like to learn more about your options, feel free to call Mitchell & Whale Insurance Brokers at 1-800-731-2228 or email us at

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