Prepare for spring flooding now
Don't wait for the water!
Overland flooding is a common issue where water flows over land and seeps into buildings through windows, doors, and cracks. It can result from various factors, including:
Causes of Spring Flooding
- Snowmelt: Rising temperatures cause accumulated winter snow to melt rapidly, overwhelming drainage systems. For example, a 1,000-square-foot roof covered in one foot of compressed snow can produce 2,500 gallons of water.
- Heavy Rains: Spring showers, combined with already saturated ground, can lead to flash floods and overflowing rivers.
- Ice Jams: Melting ice can create blockages in rivers and streams, preventing water from flowing properly and resulting in localized flooding.
The Cost of Flooding in Canada
The Government of Canada says flooding is one of the most frequent and costly natural disasters in the country, affecting hundreds of thousands of residents and causing millions of dollars in damage annually. Shockingly, about 20% of Canadian homes are at risk, yet most homeowners are unaware of their vulnerability.
Recovering from a flood is expensive, with the average cost of repairing a flooded basement exceeding $40,000. However, prevention is far more affordable — costing as little as $250 for basic flood-proofing measures. Many of these steps can be completed in under a day, helping homeowners save thousands in potential damages.
Be Flood Ready
Being prepared can protect your home, belongings, and finances. Consider the following:
- Home insurance policies often do not cover overland flooding. Standard policies typically cover sudden or accidental water damage from indoor plumbing, heating, or air conditioning.
- Check with your insurance broker. Understand the types of water damage covered by your policy and determine if additional add-ons are needed.
- If your home has flooded before, it could happen again.
- Know your community’s flood risk. Contact your local municipality for flood maps and risk assessments.
- Floods can cause mould and long-term health issues.
- Older neighbourhoods are often more vulnerable, but newer homes near flood-prone areas (e.g., ravines) can also be at risk.
Spring Thaw Tips
To prevent water damage this spring, the Insurance Bureau of Canada and other experts recommend these tips:
Exterior Flood Prevention
- Keep snow and water away from your foundation by clearing window wells and ensuring proper drainage.
- Check and maintain your drainage system Remove debris from outside and inside drains.
- Clean gutters and downspouts to allow proper water flow away from your home.
- Ensure downspouts extend at least six feet away from basement walls and direct water away from your home and neighboring properties.
- Grade your yard properly to direct water away from your home’s foundation.
Interior Flood Protection
- Elevate important items in the basement This includes documents, electronics, and valuables or move to a higher level.
- Install a sump pump with a battery backup Many municipalities offer programs to help offset installation costs. If you already have a sump pump, ensure it is clean and functioning properly.
- Install a backwater valve Many municipalities provide subsidies for these installations.
- Raise large appliances above potential flood levels This includes furnaces, hot water heaters, electrical panels, and oil tanks.
- Install flood shields or barriers on basement windows and doors.
- Regularly inspect and maintain storm drains near your home Remove leaves, ice, and debris.
Bottom Line
Taking proactive flood prevention measures can save you thousands of dollars and protect your home from costly damage. Speak with your insurance broker to ensure you have adequate water protection before this year’s spring flood season and maintain your property with year-round flood prevention in mind.
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