Grading The area next to your foundation becomes susceptible to water damage as the soil slope degrades. Improving the grade or angle of slope on your property can help improve water drainage, as well as prevent flooding and associated damage. When a house is constructed, builders excavate a hole that is slightly larger than the finished foundation. This extra space ensures sufficient working room to construct the basement walls. After construction, the extra space is filled with soil. However, backfilled soil is never as compact as the original, undisturbed soil. Over time, the soil settles and can retract from the finished foundation. In areas where soil has pulled away, you can see a dip or depression, exposing parts of your foundation to the elements, including rainwater and snow.Grading Improves Water DisplacementAdding fill material on top of the settled soil can prevent water from coming in direct contact with your foundation. Maintaining a soil slope away from your home – known as grading – can help to correct the soil displacement that happens over time. 4 Ways to Improve Water Drainage on Your PropertyDisconnect your downspout from the sewer system. Many municipalities have mandatory, volunteer or rebate programs to encourage the disconnection of downspouts.Add a concrete splash pad under your downspout to direct water away from your foundation.Consider a swale – or depression – between houses to redirect stormwater away from basements. A swale is often found under a property-line fence. Prevent basement flooding caused by sewer backups by installing a backwater valve.How Do I Improve My Roof and Lot Drainage? Diagram 1 Source: How Do I Improve My Roof and Lot Drainage? Diagram Filing an Insurance ClaimSometimes life happens. If you’ve been in a collision or if your home has been burglarized or damaged in some way, you’ll want to get your life back to normal as quickly as possible.Personal Property InventoryDo you know how much your possessions are worth?Home Insurance: Is Yours Up to Date?Protect your most valuable asset. Make sure your home insurance is up to date with the checklist and tips in this brochure.Home Insurance – Q&AQuestion to ask your insurance representative. Related ServicesRain BarrelsRain barrels can reduce water consumption by 27,000 litres per growing season. Installation is easy with IBC’s tips.Backwater ValvesSewage in a basement or on a ground floor is a mess. Installing a backwater valve can prevent sewers from backing up and may make you eligible for a rebate.Roof ProtectionYour roof plays an important role in protecting your home and its contents. Damage to a roof caused by hail or wind is usually covered under a home insurance policy. Hire a licensed roofing contractor for repairs, replacement and advice on appropriate roof materials.DownspoutsAcross Canada, many municipalities have mandatory, volunteer or rebate programs to encourage homeowners to disconnect their downspouts from the sewer system. Directing rainwater away from sewers has economic and environmental benefits. Here’s how to disconnect your downspouts.Oil Tank CareWithout proper insurance, if your oil tank spills or leaks you could be 100% responsible for cleanup costs – which average $250,000 to $500,000 but can be even more. As a property owner, you are responsible for the year-round maintenance of this potential environmental hazard. Useful LinksBuying Home InsuranceAs a homeowner, you need to insure your house for replacement costs so that in the event of serious damage or destruction you have adequate coverage. Be sure to keep your home insurance current by reporting material changes or upgrades.Home Inventory ApplicationA current inventory of your belongings makes it easier to file a claim. Keeping your records off-site is wise in case a fire or flood damages your property. Consider updating your home inventory each spring and advise your insurer of any major purchases.DisasterAm I covered? When can I start to rebuild? In the wake of a disaster, there are many questions to consider. ICLRThe Institute for Catastrophic Loss Reduction (ICLR) is a world-class centre for multi-disciplinary disaster prevention research and communications.