Rain, Rain go away! I am sure we are all saying this by now. Ontario has seen over 100mm of rain just in the month of May. All this water may be great for the flowers and the grass but it can wreak havoc on our homes!

The question we should all be asking ourselves is Are you prepared?” What steps have you taken to ensure that your home is able to withstand all the falling water? Do you know what coverages you have on your insurance policy in the case the worst should happen? Let’s go through a checklist and make sure we have done all we can!

Here are some steps you can take to minimize any damage from excessive rainfall:

Check and clean your gutters and downspouts!
Birds like to build nests in the eaves in the spring. Make sure they are clear of debris so water isn’t cascading over the side. Cascading water can cause damage to your walls and foundation.

Make sure your downspouts are directing water away from your home It is recommended that downspouts are diverting water between 3 and 6 feet away from your foundation. (Don’t divert to your neighbors’ yards).

Take care of your property!
Having your property graded so that water runs away from the foundation is always a best practice. Landscape your yard with plants that will minimize soil erosion. Any good garden center will be able to help with suggestions on what plants to put it.

Make sure you have a good weeping tile system (also known as a foundation drain) and have someone check it periodically to make sure it is in good working order.

Check any retaining walls to ensure that there is no erosion.

Inside the home!
Make sure you know where your sump pump is and check it often. If possible, make sure you have a battery backup in case of a power failure.

Keep floor drains free of debris and if possible install shelving in your basement to keep personal belongings off the floor. Your furnace and hot water tank can also be elevated as can your laundry appliances.

Know your policy!
Read over your policy wordings so you are familiar with what is and isn’t covered by your homeowner’s policy. If you are unsure, check with your agent. I am sure he/she would be happy to help.

By following some simple steps you can help protect your biggest investment – your home.  The next time you have to ask yourself –”ARE YOU PREPARED?” – make sure you can answer that with a big fat YES!

Discover the Cayuga Mutual difference today.