Water Damage Risks

Due in part to our geographic location and climate, water damage is one of the most common, and costly, threats to Canadian homeowners. Water damage can happen at any time of year; most often caused by: heavy rainfall; sewer backup; burst pipes; leaky roofs and appliances; overland flooding; or rapidly melting snow and ice. Below are some tips to help prevent water damage and steps to take if your home is affected by leaks or flooding.

Be Prepared

• Keep windows and doors in good condition; regularly check the weather sealant around windows and all ground level doors. If you have a garage, don’t forget to check the weather seal around the garage doors.
• Ensure efficient drainage around your home: keep eavestroughs, downspouts and other drainage systems clear of leaf debris and other blockages.
• Move important personal documents and expensive items, such as electronic equipment, out of the basement. Store them on a higher floor to keep them safe from water damage.
• Check your insurance coverage to know what's covered in case of water damage.
• Have a professional contractor check the condition of your roof regularly and repair as needed. Be sure the inspection includes the flashing and seals around chimneys and skylights.

Respond to Water Damage

• Do NOT attempt to shut off electricity if any water is present. Water and live electrical wires can be fatal. Call your hydro company immediately.
• If you are sure no water has yet entered the home, turn off all power at the main electrical box. Also turn off the basement furnace and close the outside gas valve.
• Ensure your emergency preparedness kit is fully stocked and close at hand.
• If your home is flooded, keep out of any standing water – hazards from floating debris, sewer contamination and slippery footing can make wading in flood waters exceptionally dangerous.

After the Damage

• Return to your home only when emergency authorities have advised you it is safe to do so.
• Avoid turning on the power in your home after significant water damage. Ask your hydro company for assistance.
• If possible, record details of any damage BEFORE you clean up. Take photos or video to help with your insurance company’s assessment.
• Make an action plan before tackling the clean up job. Check out this helpful checklist on the Canada Mortgage and Housing Corporation site: http://www.cmhc-schl.gc.ca/en/co/maho/em/em_001.cfm