If you’ve never heard the term before, overland flooding refers to floods that occur because the water level outside of your dwelling is rising which causes it to sneak into your home. It can happen for a number of reasons like heavy rains, high volumes of snow melting or dams overflowing.
Unfortunately, many insurance companies in Canada don’t cover this type of flooding. This means your claims have a high chance of being denied if it happens to you. It’s a good idea to review your insurance policy to see if it is indeed covered. If not, many companies offer add-ons which could be a great investment – especially if you’re in an area that’s susceptible to flooding.
While there are government programs in place to help homeowners like you deal with the damage, there are a few things you can do inside your home to make it flood ready. When renovating below ground level, be sure to use water-resistant building materials. Weather protection sealant around basement windows as well as ground-level doors is a great idea too. Another option is to install flood barriers around these windows and doors. Just be sure the tops of the shields are higher than ground level.
As for your property, ensure your lot is graded properly. If possible, make the grade slope away from your house – that way any water will drain away from your basement. Also, make sure any downspouts extend at least 2 metres away from your basement walls. It’s also a good idea to check your roof and eavestrough at the first sign of heavy rain in case of any blockage which could lead to flooding.
Want to know more about overland flooding and what you can do to protect yourself? Check out the Government of Canada website to ensure you’re flood ready this spring.
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