As a responsible homeowner, you already understand the value of insuring your residence against damage. You may currently have home insurance in Edmonton, but are you covered in the event of a flood? If not, you may be setting yourself up for a possible financial disaster. A flood can cause much damage to your home, and you need flood insurance in Edmonton if you want to avoid a great deal of unnecessary expense.
Flood Prevention Is Critical—Steps to Take in Addition to Home Insurance
Regardless of the coverage you choose for your homeowner’s insurance in Edmonton, you must implement flood prevention measures in and around your home. If you fail to take these necessary steps, you could be at risk for flood damage. Having flood insurance in Edmonton is important, but you can also follow these recommendations to prevent water and rain damage and protect your home from flooding:
- Elevating and Relocating: In November 2016, Edmonton made flood maps for 100 neighbourhoods available. If you live in a part of Edmonton where flooding is likely, you should take extra precautionary measures against damage; doing this will help you to be compensated by your home insurance in Edmonton. The steps you should take might include elevating or relocating major appliances and features of your home, including your water heater, washer and dryer, electric baseboard heaters – and possibly even your home structure.
- Prevent Flood Damage: Take a look around your property, and imagine what could happen if a flood occurs. Then, do whatever you can to minimize potential damage. Ensure that the pipes do not leak, and keep the eaves clean and free of debris. Shovel snow instead of allowing it to accumulate around your home; this will prevent it from pooling around the house when it melts. Check that water flows away from your house by ensuring that the grade on your home goes away from the home.
- Know Your Responsibilities: Talk to your insurance agent about what is expected of you as a homeowner. One example is to have cracks repaired because if your home has a crack in the foundation, that could be considered negligence by your provider. It is possible that your flood damage claim may be rejected; so you must fix such issues as they occur.
- If Your Home Sustains Damage From a Flood: Sometimes, a flood can harm your property no matter how much effort you have put into prevention. When that happens, the first thing you should do after moving occupants and valuables to safety, is call your insurance company.
Discuss Your Homeowner’s Insurance in Edmonton with an Expert
The best way to know that you have appropriate flood insurance in Edmonton is to consult your MBS agent. If you want sewage back-up, that is likely to be covered in your policy (but you could opt out if you wish). Don’t wait until your home sustains damage from a flood to explore what is covered and what is not.
Many providers offer overland water protection. These programs can cover sudden rain, spring run-off, or overflow from lakes and rivers. However, there are many caveats, and the coverage varies by provider, so it is best to talk to a broker at MBS Insurance to understand your options.
Don’t allow a flood to get the best of your home or your emergency savings. Speak to an agent from MBS Insurance Brokers Ltd. for information on flood insurance in Edmonton.
To be sure that you are getting the best home insurance in Edmonton, call 780-436-7880 or contact us online.