Severe weather events are becoming more common and the damages have been getting more expensive by the year.
Insurance helps us pick up the pieces after a severe storm. However, through being proactive and preparing your home for bad weather, like the windstorm, high water, heavy snowfall etc. will limit the number of claims you have to make or the severity of the damages when Mother Nature takes her toll.
Make A Top Down Assessment
Before severe weather strikes in any of its forms, take stock of the condition of your home or business and assess its needs to better be able to hold up under the challenge.
Your home’s first line of defense is the roof. Loose or worn shingles are a sign that a re-roofing is in order. If you find loose shingles, try to ensure that the structural materials beneath have not been compromised by wet or dry rot. A roof in poor condition is not just a weather related problem either. Loose or missing shingles are an open door to moldor insect infestations too plus the possibility of water coming inside the building and damaging the ceiling, flooring, furnishings etc.
Don’t Neglect Your Gutters and Downspouts
The roof and its overhangs protect the walls of your home from water damage. Ensure that your eavestroughs are not obstructed by leaves and that it doesn’t leak. Also the downspouts should direct the water away from the foundation.
Waterproofing Walls, Windows, and Doors
Moisture control is not only about stopping running water, but water vapour can be a major problem too. Ensure that your siding is not swelling or otherwise developing gaps that will compromise its ability to keep moisture away from the interior of the walls. Weather-stripping around doors and windows should be promptly replaced if found to be providing a poor perimeter seal.
Ensuring Good Drainage
Your home’s roof and walls may be impeccable against the elements, but if the grounds don’t drain well it could cause other issues. If the ground on the perimeter foundation wall is sloped towards the foundation walls, re-sloping will avoid water getting into the foundation and seeping inside.
Keeping A Dry Basement
The lowest part of your home is the most vulnerable to water infiltration. The recent floods in the Rockies, Calgary and southern Alberta damaged some homes far away from river banks because cities’ sewage systems were swamped, causing them to back up the sewer lines.
Anti-backflow valves are essential to preventing such a “reverse flood.” A prepared basement should also have sealed walls, and a sump pump installed just in case it is needed. Also store your items on shelving or pallets to keep them off the floor.
Bow Valley Insurance for Alberta
Bow Valley Insurance is an independent brokerage providing all of our clientele superior products from the numerous nationally renowned insurers. As part of our commitment to customer service, we also try to keep everyone aware of exciting new insurance trends and products too.
If you’d like to review your current coverage, or compare prices, we are ready to offer a home insurance quote.