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Liability, Floods and Insurance Claims. What you need to know.

Insurance claims, liability and floods

Flooding has become a frequent occurrence over the past years as we hear of more and more homes and families wiped out by water damage and without insurance coverage to bail themselves out. Water damage can be costly for homeowners. Water can damage just about anything leaving homeowners devastated and dealing with soaring repair bills in the hundreds of thousands of dollars. Unfortunately, flood coverage is not automatically included in all home insurance policies.

Know your homeowner’s liability policy

Read your homeowner’s liability policy, commercial liability policy and / or tenant’s insurance policy to make sure you are properly insured. Among other things, these policies cover you if someone is hurt on your property.  If someone is injured and you do not have adequate insurance, the injured person’s lawyer could come after your assets.  Make sure you have enough enough insurance to cover a flooding disaster. 

Flood insurance can always be purchased as optional coverage, but homeowners are usually still surprised to learn that they are not automatically covered when they find themselves in need. Be aware of short timelines if someone becomes injured.   If someone is injured on city property, the timelines are quite short and notice must be given within 10 days.

Fortunately, there are many things that a homeowner can do to protect their home, property and self.

  • Store important documents and personal items away from flood prone areas like basements.
  • Carefully chose your footwear. Choose a shoe that has the most grip. 
  • Never store hazardous materials such as paint, oil and cleaning supplies in the basement. They can leak when submerged in water and create an environmental hazard.
  • Know where the water main shut off is in your house.
  • Never walk through water in flooded areas if the power is still on.
  • Make a plan for your pets in case of evacuation. They are not often welcome in shelters.
  • Have a friend or neighbour check your home daily if you are planning to go away during the winter.
  • Raise large appliances off the basement floor to avoid water damage.
  • Anchor fuel tanks. These tanks can float or tip over in a flood causing leakage and a possible fire.

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RL, Ottawa Ontario