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Preparing for a Flood

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Insurance Tips: Preparing for a Flood

Floods can develop over a period of days giving you adequate opportunity to prepare or they can develop into flash floods in mere minutes. Floods can occur anywhere and be widespread or localized to a particular neighbourhood. When a flood occurs it can be very destructive, surprisingly deep and strong and can carry debris, rocks and mud. If you are not prepared you can put yourself and your family at risk.

Preparing for a Flood - Safeguard your Family & Personal Property

  • Keep important papers and documents in a safe place where flood water cannot destroy them
  • Keep and inventory your personal property with lists, seriel numbers, etc. in a safe place
  • Build an emergency supply kit and store it where it can be accessed by all family members
  • Develop an evacuation plan as a family
  • Develop a communication plan in the event you are not all together during an evacuation
  • Identify where you will go if you need to reach higher ground or safety
  • Keep enough fuel in your car's tank to evacuate
  • Stay tuned to radio and TV for further information and instructions

When there is a Flood - Safeguard your Family

  • Stay tuned to radio and TV for evacuation orders
  • Take only essential items
  • Turn off gas, electricity and water
  • Disconnect all appliances
  • Move personals and treasured items to higher ground if possible and time allows
  • Follow instructions and where you are in safe place register with authorities

What to Pack in an Emergency Kit

  • Flashlight and batteries
  • Bottled water for several days
  • Tinned food, can opener, dishes, and utensils
  • Candles, blankets, first aid kits, and any required medications
  • Paper, pen, maps, emergency cash, and phone list of emergency services
  • Warm clothes, sturdy shoes, and personal hygiene items

Will Insurance Help? - That Depends

Water that enters your home through windows and doors is considered “surface water” and typically not insured in Canada. However if you have water entering your home from sewer backup, you are usually covered. Check with your insurance broker to see if you are eligible for coverage. If you are not covered by your home insurance policy, check with the Provincial Disaster Assistance Program (PDAP) at 1-866-632-4033 for information on how to apply for assistance.