Basement flooding is not a pleasant experience. It can cause a lot of property damage – damage you’ll want to claim for. These claims, and flooding in general, can increase your insurance premiums. In light of this, we want to share some easy ways to prevent water damage in your home:
Make Sure Your Sump Pump is Properly Maintained
Water damage can come from all kinds of places, but basement flooding is the thing on most people’s minds when they think of water problems in their home. In Winnipeg, the scenarios conducive to basement flooding are incredibly common every year – melting snow coupled with rain in the springtime.
When your sump pump is properly maintained, the chances of your basement flooding are drastically reduced. You can test the sump pump yourself by pouring a bucketful of water into the sump pit. Make sure that the sump pump drains onto your lawn, and not back into the roadway. Some plumbers offer routine maintenance on sump pumps if you want to take extra precautions.
Do Routine Maintenance Around Your House
Anywhere water gathers is a potential source for water damage. Chiefly, you’ll want to look at some of the structures outside your home. Clean your eavestroughs and make sure they don’t have any leaks. Check the top of your roof for any cracked, broken, or missing shingles; repair as needed. Make sure your downspouts are pointed far enough away from the foundation that water doesn’t end up going back toward your home.
Inside, you should make sure that everything that needs to be caulked, is. This includes windows that need weather-sealing and plumbing fixtures. Most caulking projects you can do yourself; Home Depot has a good guide on the process.
Check for Leaks
Some leaks are relatively easy to spot. You see a wet patch on your wall – you’re pretty sure you have a leak. Other leaks are harder to spot – for those, there are a few handy tricks: When you’ve noticed that water pressure in your home has dropped, it may be a sign there’s a leaky pipe. When your water bill has gone up, but your water usage hasn’t changed and the rates have been relatively constant, you may have a leak. When you suspect a leak, it’s a good idea to call a plumber.
Water Damage and Insurance
In order to know what kinds of water damage are covered by your insurance, it’s important to understand the details of your policy. Most policies will cover burst pipes, but will not cover gradual damage caused by leaks. There are many policies that won’t cover sewer backup automatically, but you can add sewer backup coverage to them. Coverage for floods is quite rare, but you can get it with some policies. To understand water damage and how it relates to your home insurance in Winnipeg, get in touch with us.