Inspect your home
A visual inspection of certain spots around your home is a good place to start. Since water can infiltrate every nook and cranny, check every corner! For example, make sure that:
- the gutters are free of debris and allow the downspouts to discharge the water well away from the foundations — if need be you can install extenders
- the anti-backflow valves are in good working order — spring is the time to inspect them and make any necessary repairs
- the windows, doors, skylights and roof vents are watertight — call in a specialist to be sure
- there are no cracks in the walls or foundation — they can be a source of water infiltration that can cause damage, namely to floors
- the roof is not showing signs of wear — whether it’s a flat roof that may require a new layer of gravel or a sloped roof that may need its shingles replaced because they are lifting
Spring is also a good time to tackle renovations, so if you think repairs need to be done, now’s the time to take action! By doing so, you may address some of the potential sources of water damage, thereby not only avoiding even more costly repairs in the future, but also reducing certain health risks namely related to moisture in the walls or ceilings.
Stay alert if you live near a waterway
Having a breathtaking view of the water is worth its weight in gold, but the water can get way too close for comfort in the wake of an ice jam or heavy rains. Unfortunately, there is not much that can be done on an individual basis to reduce the risk of natural flooding. Usually these situations are monitored by the municipal or provincial authorities and shoreline residents are advised of what measures they should take.
You should be aware that home insurance does not cover losses due to flooding of rivers or lakes, among other things. To be prepared for any contingency, it’s always wise to keep an emergency kit on hand and it’s prudent to move items from the basement to upper floors.
Check your insurance policy
For several years now, water damage has been the leading cause of home insurance claims. While your basic home insurance policy may cover some types of water damage, other types may require specific endorsements, so don’t hesitate to check with a Licensed Insurance Agent as to what coverage you already have and what you may want to add to your policy.
Avoid dampening your spirits by taking all the right steps!
*Certain conditions, restrictions and exclusions apply to all offers. The information contained in this newsletter is for informational purposes only. belairdirect makes no representation, warranty or guarantee that use of this information will prevent damage or reduce your premium. Your insurance contract prevails at all times, please consult it for a complete description of coverage and exclusions. ®belairdirect., ®The Crash Proof Policy, and ®Little Knight Design are registered trademarks of Belair Insurance Company Inc. ©2012 Belair Insurance Company Inc. All rights reserved.