Drainage and Flood - Steps to take before, during and after a flood

Leibel Insurance Group

A flooded yard or basement can cause serious damage to your property, and cost you, the homeowner, time, money and inconvenience.

It’s important to know that standard homeowners insurance doesn’t cover damage caused by flood. The Canadian government offers help for homeowners affected by large flood losses through the Disaster Recovery Program (DRP).

You may not be able to stop an oncoming flood, but you may be able to mitigate some of its damage by knowing what to do before, during and after one of nature’s most devastating perils.

What to do BEFORE a flood:

Install backflow valves or standpipes to prevent sewer lines from backing up.
Install a sump pump system if you have below-grade floors.
Landscape with plants and vegetation that resist soil erosion.
Consider storing irreplaceable family items and important documents somewhere other than the basement.

What to do DURING a flood:

Turn off utilities at the main power switch.
Move valuables, important papers and clothing to upper floors. If you have only one floor, put items on shelves, tables or countertops.
Sanitize your bathtub and sinks and fill them with fresh, clean water in case the water supply becomes contaminated.
If you feel threatened by rising water, leave your home or move to upper floors.
Never try to drive through a flood. Six inches of water can cause loss of control and possible stalling.
If you’re in your car when the water begins to rise quickly, abandon it and move to higher ground.
Stay away from downed power lines.

What to do AFTER a flood:

Check for structural damage before going inside.
If it’s dark, use a flashlight -Do not use matches, a candle or a lighter.
Listen for reports to see when drinking water is safe again.
Don’t turn your power on until an electrician has inspected your system.
Use your cell phone or another camera to photograph damage, which can help get your claim started sooner.
Inventory damaged or destroyed items – again, to expedite your claim.
Report your claim to your insurance agent or company as soon as possible.
Begin initial cleanup as soon as waters recede. Separate damaged from undamaged items and clean and disinfect everything that got wet.
When cleaning, wear a mask, gloves and coveralls to minimize exposure to possible hazardous materials.
Mold can be a hazardous result from a flood. Consider a professional service that specializes in post-flood cleanup.