Canadians Have Increasingly Bad (Weather) Attitudes

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Despite worsening weather conditions, Canadians are taking fewer precautions to protect their homes than ever before. And with the rainy season already started, now's the time for homeowners to check to make sure their homes are weather-ready.

Canadians Not Concerned About Water Damage to Homes

Data from a new RBC survey shows that Canadians are not too worried about protecting their homes against water damage, even though it has replaced fire as the leading cause of damage to Canadian homes.

In fact, the data suggests that the majority of Canadians are not taking precautions to protect their homes at all. This chart shows the declining number of Canadians taking measures against water damage.





Maintain eavestroughs and downspouts 22% 60% 64% Landscaping such as grading 18% 29% 33% Install downspout extensions and splash pads 15% 30% 26%

"It's alarming to see such a steep decline in Canadians willingness to take precautionary measures to protect their homes," says Paula Bandi, senior product manager, Home, RBC Insurance. "Extreme weather events are inevitable and Canadians need to take proactive steps to protect their home from extensive property damages.

10 Tips To Protect Against Water Damage

The Insurance Bureau of Canada recently released a list of 10 tips to help homeowners better prepare for springtime rainy season.

  1. Keep floor drains clear of obstructions
  2. Clear and adjust your eavestroughs and downspouts to direct water away from your home
  3. If you're going to be away from your home for an extended period of time, arrange to have someone check in on your property in case of severe weather
  4. Ensure your home has proper grading so surface water flows away from the foundation
  5. Install a sump pump. If you already have one, ensure it's working properly
  6. Install backflow valves or plugs in drains, toilets and other sewer connections
  7. Elevate the furnace, hot water heater and electrical panel in the basement or relocate them to a higher level
  8. Store important documents and irreplaceable personal objects where they cannot be damaged by water
  9. Do not finish areas that may be prone to flooding—including basements
  10. Don't keep expensive items in basements known for flooding

Water Damage and Your Insurance

Water damage extensions (also known as sewer back-up coverage) are typically optional home insurance add-ons offered by your insurance provider. Due to an increase in water-related claims over the past few years, largely as the result of worsening weather conditions, water damage coverage has changed. It is possible you have less coverage than you thought.

Check with your home insurance provider to find out exactly what you're covered for and how you can protect your home from water damage.