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DIY Flood Protection

Did you know that water damage now accounts for 50% of home insurance claims cost?[1]  This is no surprise considering a study by Desjardins recently found that 43% of homeowners don’t know how to prevent flooding from inside and outside their homes.[2]  Don’t think you need to worry about flooding in your home because you live in the city?  Think again.  Flooding is actually more common in urban areas because there is less area for water to go.  Sewers become overwhelmed and if there isn’t enough exposed earth for water to seep into, that runoff has to go somewhere. Make sure it doesn’t go into your basement.

Protecting your home from water doesn’t necessarily have to cost a lot of money, there are plenty of things you can do that cost nothing at all.  Do you already clean out your eaves troughs and clear away debris from your street’s storm drains every spring?  Both help keep water away from that home entertainment system downstairs. Maintaining your plumbing fixtures and testing your sump pump are other things to add to that honey-do list this year.  Do that and you’re already well on your way to safeguarding against water damage. 

If you want to do more than just maintain what you have, consider things like extending downspouts farther from your foundation or storing keepsakes and seasonal decor in water tight containers to help reduce damage in the event of a claim.  Prioritizing simple upgrades does more than just protect your home, additions like flood alarms may save you money on your home insurance premiums as well.

There are plenty of great resources out there if you are looking to protect your home from flooding.  www.HomeFloodProtect.ca is a great place to start. Also, be sure to also talk to A Real Insurance Broker about possible flooding in your area and how improvements will affect your premiums.  Email us at info@josslin.com or call us at 1-888-567-7546.  We’re here to help.

[1] Contant, Jason. “How Many Canadians Actually Understand Water Damage Coverage?” Canadian Underwriter, 7 Dec. 2018, www.canadianunderwriter.ca/insurance/many-canadians-actually-understand-water-damage-coverage-1004149526/.

[2] ibid

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