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April showers bring May… water damage?

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April showers bring May… water damage?
OMA Insurance
Spring is a time of renewal, rebirth, and more rain than any other season. At this time of year, it’s important to protect your home against moisture and water damage, and to keep your belongings safe and dry.  Here are some prevention tips that can help.

Have you ever experienced a wet basement after a heavy rain? Or a leaky roof that's caused damage to your ceiling? If you have, you know how costly it can be to repair damage due to water in your home. Whether you've dealt with water issues in the past, or you've been fortunate enough to avoid them, it's important to keep up a maintenance routine that waterproofs your home and to consider tools that can help you detect water infiltration at its earliest stages.​

Preventing Wa​​​ter Damage

There are several low-cost preventative measures you can take to protect your home against water damage this spring. Here are a few suggestions:

  • Maintain your eavestroughs. Keep them clear of debris to avoid water overflow.  It's also smart to install downspout extensions to direct water away from your home.
  • Seal windows and doors to keep water from seeping into your home.
  • Find and seal cracks in your foundation walls and basement walls.
  • Install a backflow valve in your basement to prevent sewage from backing up into your home during a heavy rainstorm.​

Detecting Water Damage

Depending on your needs and budget, there are a few different types of water detection systems available that can alert you to the presence of water in your home. 

They range in price and quality so it's a good idea to do some research to identify what will work best in your home. With the OMA Insurance Program, you may qualify for a discount up to 10%, depending on the system you install.

  • Automatic shut-off systems. With these systems, a sensor is placed on the floor where leaks are likely to occur. If water is detected, the sensor wirelessly instructs a shut-off valve to cut the water supply. The benefit of these systems is that they are fully automatic, and potentially the most effective way to prevent water damage. The downside is that they are a more expensive solution, costing approximately $1,000 per sensor.
  • Remote alert systems. These systems typically use one or more sensors to monitor for water, temperature fluctuations and power outages in your home. While the system doesn't automatically shut off water supply, it does automatically report the problem by dialing a phone number. These systems generally cost between $200 and $300, often making them a viable option for homeowners.
  • Local alarm systems. These systems involve placing sensors near where water damage may occur. A local alarm is sounded when water is detected, but no proactive action is taken by the system. While less comprehensive than other water prevention systems, local alarm systems typically cost under $50.​

Having the right coverage

It's important to have home insurance coverage that protects you against the potential high costs of water damage.  Most home insurance policies will automatically include coverage for water damage due to leaks from electric household appliances (such as a dishwasher), and plumbing problems such as a burst pipe. 

With the OMA Home and Auto Insurance Program, you could also qualify for optional water damage coverage, which protects you against water damage due to seepage of rain or snow through the roof or walls, or due to sewer back up.​

Stay dry this spri​ng

We want to ensure that your home and your belongings are sufficiently protected against water issues that can arise this season. Call us at 1.877.277.7165 to discuss your coverage options, or visit us online to learn more or get a quote.

​​​The OMA Auto & Home Insurance Program is underwritten by The Personal General Insurance Inc. in Quebec and by The Personal Insurance Company in all other provinces and territories (collectively carrying on business as "The Personal").  Certain conditions, limitations and exclusions may apply. Auto insurance not available in Manitoba, Saskatchewan or British Columbia due to government-run plans. 
The information and advice in this newsletter is provided for general informational purposes only.  The OMA and The Personal shall not be liable for any damages arising from any reliance upon such information or advice.  The OMA and The Personal recommend using caution and consulting with an expert when appropriate for comprehensive advice. ​