Keeping Dry: How to Prevent or Minimize Water Damage to Your Property
There are few things more frustrating for a homeowner than a flooded basement. It can happen all too easily and, often, without warning.
Flooded basements can be caused by:
What you can do
There are steps you can take to help reduce the chance of your property being damaged by water.
Each insurance policy is different. If you are not sure about your coverage or would like more information about what types of water damage claims will and won’t be covered under your policy, contact your insurance representative.
After you find water…
Do not turn on any electrical switches until your electrical system has been checked. Turn off your main switch by standing on a dry surface and using a piece of heavy rubber, plastic or dry wood. If you have gas service, check for fumes. If you notice an odour, call the gas company immediately.
Take steps immediately to protect your property from further damage. Board up holes or shut off water supplies to ensure your belongings are not damaged more than they have been. Move items out of wet basements and away from flooded parts of your home. Save receipts for materials you use. Your insurance company will cover any reasonable costs associated with protecting your property if the loss is covered by the policy.
Call your insurance representative
Let your insurance representative know what has happened as soon as possible. This representative will begin to work with you to ensure the damage is assessed, your insurance company is notified and you are compensated as quickly as possible if the loss is covered by the policy.
During a flood cleanup, the indoor air quality in your home may appear to be the least of your problems. However, failure to remove contaminated materials and reduce moisture and humidity can present serious long-term health risks. Standing water and wet materials are a breeding ground for micro-organisms such as viruses, bacteria and mould. They can cause disease, trigger allergic reactions and continue to damage materials long after the flood.