Ah, spring.  Warm sunny days, robins returning, snow disappearing – and water everywhere.  As a home owner in Spruce Grove, Stony Plain, Parkland County, the Edmonton region or elsewhere, you do everything you can to protect your property.  Would it surprise you to learn that the leading cause of damage to property is not break-ins or fire or wild winds, but water?  In fact, more than half of all insurance claims, about 1.3 billion dollars’ worth in Canada, are due to water damage.  This type of claim is likely to increase as infrastructure ages, the climate changes, and home owners finish every square foot of their dwellings.

We’ve all seen the stories in the media about flood damage in Manitoba and parts of the US, but that type of large-scale catastrophe is less common than all the other ways water can ruin a home.  And most of the everyday type of water damage, caused by a leaky roof, backed-up sewer or spring run-off, is preventable.  Here are a few things you can do to minimize water problems:

– Walk around the entire outside of your home, keeping your eyes open for all the places water could get in. 

–Does the grade slope away from your home without any dips where the ground has settled?  There should be no area where water drains back toward the house.

–Do the downspouts from eavestroughs extend at least 6 feet from the house? 

–Do all doors and windows fit snugly without any cracks where water could seep in?

–As spring approaches, are you diligent about clearing snow and ice away from your home?

– On the roof:

–Inspect the roof for missing or damaged shingles and repair any problems.  If your roof is older than 15 years, it might be time for a whole new roof.

–Are the eavestrough gutters free and clear of debris so that water can flow freely off the roof?

–Check seals around chimneys, skylights and vents to ensure they are water-tight.

– Inside your home:

–Regularly check all plumbing (including your hot water tank) and appliances for leaks, and for trouble signs such as rust around a faucet or corrosion around the washing machine hose.  One trick for testing whether a toilet is leaking:  Add food coloring to the tank.  If the color seeps into the bowl after about 20 minutes, you have a leak.

–Burst pipes can cause a major mess.  Besides checking for leaks, check that insulation in these areas is adequate.

–Consider installing a sump pump, backwater valve or water sensor, if you don’t already have these items.

–Examine all ceilings for stains which could indicate spots where water has gotten in.

–If you store valuable items in the basement, put them in plastic bins up off the floor.

–Don’t run appliances such as dishwasher or washing machine when nobody is home.

A few other suggestions: 

–When you leave on vacation, even for a long weekend, have someone do regular checks of your residence.  Check all taps and faucets before you leave (turn off the water to the washing machine!), and consider even turning off the main water valve.

–Review your insurance coverage to make sure you are covered for water perils such as sewer backup and the like.

–If your home is starting to show its age, consider hiring a home inspector to go over your home with you, looking specifically for problem areas before they develop into full-blown trouble.

I love to hear your comments or questions!  Call or text me at 780-910-9669, email me at barrytwynam@gmail.com, or contact me here.

The recent Slave Lake fires have a lot of people in Stony Plain, Spruce Grove, Parkland County and the Edmonton area thinking about home insurance.  It’s a good idea to review your coverage annually with your insurance agent, and be sure to ask the right questions.  Never assume you are covered against a particular peril! 

Here are a few things to consider about home insurance:

1. Most home owner policies protect against fire, vandalism and theft – but how much coverage do you actually have?   Are you covered for replacement value so that you could rebuild your home from the ground up with all its contents at today’s prices?   
2. What is the coverage for other free-standing structures on your property, such as a storage shed or detached garage?
3. Is your coverage “All Risk” or “Named Perils”?  Be especially aware of things that you might not be protected against.  For example, some companies require policy owners to purchase special coverage for sewer backup.  Some other common exclusions:  wear and tear, settling, rust, snowslide (kind of important to know about this in Alberta!), landslide, flood, water damage to property while the home is vacant or unoccupied, mechanical breakdown, damage caused by insects or rodents.   Ask your agent what your policy does NOT cover!
4. Limitations on theft coverage are common.  If you own expensive jewelry, furs, artwork, silverware, coin or stamp collections, a boat and motor, cameras, bicycles, business books and tools, you’ll probably need additional coverage, known as a “rider”, on your policy.
5. What kind of proof of value might you need in support of a claim?  The experts recommend making a list room by room in your house of everything you own, and assigning a value to each item, or group of items.  If you have sales receipts, especially for big-ticket items, add these to the file.  Take photographs of everything, or better yet, a video.  Nowadays, all this can be posted online for free, so your information will always be available even if, like the residents of Slave Lake, all your property is destroyed.
6. If you submit a claim against your insurance, you will be expected to pay a deductible,  a certain amount of the cost of damage before the insurance payment kicks in.  Discuss with your insurance agent the advantages and disadvantages of increasing or decreasing your deductible.
7. What if extensive re-building requires you to move out temporarily?  Does your policy have a clause to cover the cost of hotel rooms and food?
8. Property insurance doesn’t just cover your own belongings.  What happens if someone is injured while in your home, or their property is damaged?  Some liability insurance is standard in every policy, but consider if that amount is adequate for your situation.
9. Ask about coverage of your belongings when they are not in your home.  What about belongings stored off the property, such as in a rented storage facility?   Are you covered when you travel?   What if your car is stolen with your computer in it; can you claim for a new computer?  (This is a special situation where you might have to submit two different claims:  one against your auto insurance and the other against your home insurance.  Did you know that many companies not only offer a discount if you have both your home and auto insurance with them, but will only charge you a single deductible in a double claim situation?  Good to know!) 
10. Educate yourself about coverage in special situations.  If you have a child living away from home, are that child’s belongings covered?  When you’re moving to a new home, what kind of coverage do you have between the two dwellings and on your belongings in transit?  If your home is going to be vacant for a significant period of time (for example, you’ve sold your home but the possession date for the new owners is several weeks or months away), do you need special coverage?  Do you need special insurance during home renovations?  If in doubt, contact your insurance agent!
11. Condo owners may require special insurance to protect not just their personal investment but also their share of the common property in the condominium development.  Ask your insurance agent about “loss assessment”.  Also, take the time to read carefully what’s included and covered in the condo corporation policy; that way, you’ll know what you need to include in your personal policy.
12. Renters and tenants should have property insurance as well.  Like home owners, you need to protect your own belongings, and guard against liability if someone is injured while in your rented space, but you also need to protect yourself in case of accidental damage you, or your guests, might cause to the landlord’s property; for example, forgetting to turn off a tap while you’re away for the weekend, causing water damage to your own suite and others.
13. Landlords have special insurance needs also.  Maybe you rent out a room in your home.  You might not have thought about it, but this represents a risk to the company that might even void your policy if the company is unaware of your tenant or boarder.  Be sure to let your insurance agent know so that your coverage can be amended.  If you own a revenue-generating property, ask your insurance agent if your home property insurance extends to cover it.  You might also wish to consider Landlord Insurance which is designed to cover the rental income of a property if it remains vacant because of loss.  Again, the Slave Lake situation comes to mind. 
14. Be sure to ask about discounted rates.  Some companies offer lower rates depending on whether you have multiple policies with that company, age of the policy owner, number of years claim-free, non-smoking property owner, special security features such as alarm systems, security bars on basement windows, etc. 

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Companies selling home insurance want you to contact them for a quote since policies are tailored to individual situations, and very few publish detailed information online.  A few helpful websites with information about home insurance:

TD Insurance:  Home Insurance Learning Centre

TD Bank:  What is in a standard homeowners policy? 

MelocheMonnex:  About Standard Home Coverage 

Canadian Direct Insurance:  Home insurance coverages offered in Alberta

Kanetix.ca:  Standard home insurance coverages

Home Insurance.com:  What does a standard home insurance policy cover?

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For a list of insurance companies in Spruce Grove and Stony Plain, check out our Welcome Home Moving In Package

Comments or questions about this article?  Contact me here, phone me at 780-910-9669, or email me btwynam@telusplanet.net.