More and more water damage !!

By June 28, 2019News

Article taken from the Protégez-vous website


Article from a partner
by Protect Yourself

By Insurance Bureau of Canada Partner of Protégez-Vous
Uploaded: June 28, 2019

Many factors are contributing to the increase in the number of claims related to water damage in residences.

The intensity of torrential rains and their frequency, poor infrastructure, broken plumbing fixtures, all of these factors are contributing to the number of claims related to water damage in residences.

In fact, for more than ten years, water damage has become the number one cause of home insurance claims: water infiltration through the roof or windows, sewer backup, spring flooding, water overflow. the tub, water heater leak. In 2017, 40% of claims paid in home insurance related to water damage.

We bear the brunt of nature when she breaks loose. However, there are ways to protect yourself and make Mother Nature’s whims have less of an impact on our homes.

Some data illustrating the extent of water damage in Quebec

  • Failed municipal infrastructure is responsible for 60% of water damage.
  • 40% of water damage is due to a breakage inside the residence.
  • For every dollar paid in compensation, 40 cents goes to pay water damage claims.
  • In home insurance, more than $ 715 million is paid out each year to cover water damage in Quebec alone.

Risks covered

Certain risks related to water damage are covered by the basic home insurance contract. As a general rule, this is the case for damage that comes from the interior, such as overflowing or broken sanitary facilities (washer, toilet, bathtub, dishwasher, etc.)

As for other types of damage, they are ensured by additional protections in the contract. This is the case for damage from outside, such as seepage, sewer backups and flooding.

Learn more about the risks covered.

Tips can help you protect yourself and minimize water damage

  • Make sure your roof is in good condition by having it checked
  • Check the state of your windows regularly
  • Make sure that the slope of your land is not directed towards the house
  • Have a non-return valve installed in the basement
  • Make sure the downspouts are away from the foundation of your house and ensure that water does not flow into the neighbors’ house. They must move away from your house towards the street, your backyard or the alley

For other prevention tips, visit the site < / p>

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