Preventing water damage at home

Preventing water infiltration: Simple but effective actions

To reduce the risk of infiltration, move snow away from your house. Shovelling it further away will ensure it melts away from the house, reducing the risk of water seeping inside. 

Regularly check the water level near the foundations, especially during melting snow or after heavy rainfalls. Avoid the accumulation of ice and snow on the roof, balconies, or above-ground pool. When in doubt, call a professional for proper work. 

To better protect your home, consider installing a water damage prevention system, such as leak detectors (connected or not to a central system).

You can also opt for an automatic water shut-off device that cuts off the supply in case of a problem. 

Preventing basement water infiltration: Best practices

The most effective measures should be taken in the fall: 

• Clean and connect your gutters to avoid rainwater infiltration during heavy rain   

• Caulk basement windows and install window wells if they are less than 20cm from the ground. 

• Inspect basement walls for cracks or white rings that may require a contractor’s intervention. 

• Ensure the French drain and sump pit are functioning well. They are essential for draining excess ground water. 

• Make sure the check valve is working properly. Clean the flap door to allow it to do its job and prevent backflow.  

What to do in case of flooding and water damage?

Before intervening, ensure the affected area is safe. If water is in contact with outlets or electrical appliances, turn off the power. 

In case of water damage (leak or break) 

• Cut off the water supply and contact a plumber. 

• Quickly notify your insurance company to start the claims process. 

• Dry surfaces: use fans, dehumidifiers, and a water vacuum. Post-disaster companies have all the necessary equipment. They also have tools to check walls and surfaces to ensure everything is dry. 

• Elevate your furniture using wooden blocks or styrofoam or move them to a non-flooded room. 

• Wet cushions and chairs will dry better if propped vertically against a wall. 

• Take photos of all damages and list items damaged by water. 

If there is water damage due to a break, keep the defective parts or pipes. Your insurer may ask for them.

Don’t hesitate to ask your insurer for practical advice in case of a disaster. 

In case of major flooding 

• Follow local authorities’ flood damage cleanup directives. 

• Avoid stagnant water that may be contaminated with chemicals or bacteria. 

• Open doors and windows as soon as possible to speed up drying and limit mould. 

• Dispose of non-recoverable materials: carpets, drywall, and water-soaked insulation can promote mould and must be replaced. 

• Call experts to properly dry structures and limit contamination risks. 

Does your home insurance cover water damage?

Basic home insurance water damage coverage rarely protects against types of water damage caused from outside, such as floods or sewer backups. Optional endorsements offer additional coverage. 

Generally covered: 

• Water damage caused by a forgotten faucet or a defective pipe is usually covered by basic home insurance policies. 

Requires additional coverage: 

• Sewer backups or rainwater infiltration. 

• Overflowing watercourses. 

If you think your residence could be damaged by sewer backups or rainwater infiltration, it’s better to add extra flood protection to your insurance. Playing it safe is often the best option. 

Create an inventory of your belongings

A precise inventory of your belongings, with photographs and proof of purchase, is very useful in case of a claim. Be proactive and do it before a disaster (fire, theft, or flood) occurs. Preferably keep these valuable documents in a safe place outside the house.