What You Need to Know About Flooding in Ontario

With the flooding and extreme weather seen last week across Ontario, you maybe wondering what to do in these circumstances and how to be prepared.

As a homeowner, it’s crucial to understand your responsibilities and the measures you can take to protect your property and what coverages you have for your home insurance.

Flooding Insurance Coverages in Ontario

Its important to know what requires additional coverage on top of basic home insurance. If you’re ever unsure of what coverage you have, reach out to your insurance broker.

Freezing of Indoor Plumbing:

• Not covered if you’re away during the heating season without taking precautions (e.g., draining plumbing, regular property checks).
• Covered if freezing-related damage occurs despite precautions.

Ice Buildup on Roofs and Eaves:

• Typically not covered by standard policies.
• Optional coverage for water damage caused by roof ice damming may be available.

Sewer and Drain Backup:

• Not automatically covered by standard policies.
• Optional sewer backup coverage is offered by most insurers for an additional premium.

Overland Flooding:

• Not covered automatically by standard policies.
• Optional residential overland flood coverage is available from many insurers, often combined with sewer backup coverage for an additional premium.
• Important for homes at risk of flooding from surface or ground water, even if not near a lake or river.

Flood Damage from Storm Surge or Tidal Waves:

• Not covered by most home insurance policies or optional endorsements.
• Impacts coastal areas with a small percentage of Canadians affected.

If you are unsure of your home insurance coverages or if you need any of these optional coverages, reach out to us to discuss your policy.

Prevention Tips

Seal Entry Points:

• Seal window wells and cracks in floors, walls, and the foundation to prevent water infiltration.

Manage Rainwater:

• Slope ground away from the foundation to direct rainwater away from your home.
• Ensure downspouts direct water at least 1.2 meters away from the foundation or into a rain barrel.
• Disconnect downspouts from the sewer system or foundation drains.

Maintain Clean Drains:

• Avoid putting grass clippings, leaves, or debris on the streets to prevent clogged drains.
• Do not dispose of garbage, grease, or hazardous waste down your drains.

Foundation Drains:

• Ensure foundation drains direct water to the storm sewer or a sump pump, not the sanitary sewer.

Snow Management:

• Clear snow away from your foundation to prevent meltwater from seeping into your home.

Sump Pump Maintenance:

• Ensure your sump pump is connected to the storm sewer or discharges water at least 1.2 meters from the foundation.

Protective Plumbing Devices:

• Install and maintain backwater valves to protect against sewer surcharges. The City’s Residential Protective Plumbing Program offers rebates to qualified homeowners.

Responding to Basement Flooding

• Identify the Water Source: Check if toilets and sinks are draining properly. If not, the problem may be groundwater.
• Avoid Water Usage: Do not use water fixtures or appliances until the issue is resolved.
• Clear Blockages: Wearing protective clothing, clear any blockages to ensure proper flow.
• Report the Flood: Call 3-1-1 to report the flood. City staff will respond and may inspect the sewer main near your home.
• Contact Your Insurance Company: Inform your insurance company and document all damages and repairs.

By taking proactive measures and understanding your responsibilities, you can significantly reduce the risk of flooding and protect your home.

For more detailed information and assistance, contact your local municipal offices or reach out to us.