its getting WARMER: Overland Water Coverage
While the melting snow signifies the arrival of warmer days, it also poses a significant risk of overland flooding—a concern for many homeowners in the region. Understanding overland water coverage and its relevance during this period is crucial to safeguarding your property.
Understanding Overland Water Coverage
Overland water coverage is an optional add-on to standard home insurance policies that protects against damage caused by water entering your home from external sources. This includes:
Snowmelt: Rapid melting of accumulated snow can cause water to flow over land and enter homes through basement windows, doors, or foundation cracks above grade.
Heavy Rainfall: Intense rain can lead to pooling water that seeps into homes through garages, windows, and doors.
Overflowing Water Bodies: Rising water levels in rivers, lakes, or ponds can breach their banks, allowing water to flow into residential areas and enter homes.
Historically, overland flooding wasn't covered under typical home insurance policies in Canada.
However, with the increasing frequency of such events, many insurers now offer this essential coverage.
Why It's Essential During Spring Thaw
Alberta's climate, characterized by substantial snowfall, sets the stage for potential flooding as temperatures rise. The spring thaw can lead to:
Increased Flood Risk: Melting snow combined with seasonal rains can result in water accumulation around properties.
Sewer Backup: Excess water can overwhelm municipal systems, causing sewage to back up into homes.
Without appropriate coverage, homeowners might face significant out-of-pocket expenses for repairs and replacements due to flood damage.
Protecting Your Home
Beyond purchasing overland water coverage, consider the following preventive measures:
Maintain Proper Drainage: Ensure eavestroughs and downspouts are clear of debris to facilitate effective water diversion.
Inspect Your Foundation: Seal any cracks or openings where water could infiltrate.
Install Sump Pumps: These devices can help remove excess water from basements, reducing flood risk.
By adding overland water coverage to your home insurance policy and implementing proactive measures, you can protect your home from potential water damage. For personalized advice and to explore suitable coverage options, contact our team today.