Passionate People Episode 2: Protect Your Home from Melt Water Damage

21 Apr 2022
Passionate People Episode 2: Protect Your Home from Melt Water Damage

After a winter of heavy snowfall, the water from all that built up snow can cause problems for your property in the Spring.

Some common damages that can result from snowmelt (especially rapid snowmelt) include water entering through your basement walls or foundation floor. On your roof, one problem you could encounter is ice damming. This happens when, through snow melting and refreezing, your shingles can get lifted and allow water to leak into your home. 

If your property has a sump pump, melt water can interfere with that too. It can even cause your sump pit to overflow into your basement. For rural and semi-rural properties, excessive melt can enter your septic tank and cause a backup.

How to Protect Your Property from Spring Melt Water

Luckily, there are some steps you can take to mitigate your risk. 

You can direct your downspout away from your home to ensure proper drainage. 

Regularly test your sump pump and consider installing a battery back up system in case of a power outage. You can also install a backup valve on your sewer line. This prevents water from flowing the wrong way and getting into your home. 

Before winter comes around, carefully inspect your roof or have it inspected by a professional and replace any damaged or missing shingles. During the winter, you can have your roof professionally cleared of snow when there is any significant build-up to prevent your shingles from being damaged by ice damming.

Basements are also a common area for water damage to occur. Check for any large cracks in foundation walls or buckling drywall which can indicate shifting and allow water to seep into your home. Repair any large cracks or consult a contractor if you have concerns. Check for moisture in any area of your basement. 

Outside, avoid piling snow near or around your home. Take extra care to avoid piling snow directly against the walls of your house.

Get the Right Coverage

There are some insurance coverage options that can help protect you. One option is Groundwater Coverage. This covers water entering your basement wall or foundation floor. Another one to consider is coverage for Sewer Backup. This helps cover you for sump pump overflow and your septic or sewer backup. Over Land Water adds protection from rapid melt as well.

If you are unsure about whether your Homeowners Insurance protects you from water damage caused by the Spring melt, one of our brokers would be happy to review your policy with you.

Brittany Berst is a Personal Insurance Advisor at our office in Thunder Bay, Ontario. In her role, Brittany enjoys meeting new people and helping them with any of their insurance needs.

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