Water damage is one of the most common and costly challenges facing BC homeowners. The frequency and severity of water damage claims continue to grow due to extreme weather, more complex appliances and the growing popularity of condensed multi-unit living.
Most insurance policies do not cover water damage caused by continuous or repeated seepage, rising ground waters or surface waters – but sudden, while accidental, escape of water from a watermain, plumbing, heating system or internal drain are usually covered. Water damage resulting from a private external drain or entry of water through an opening in your roof are usually not covered and depend on your policy; additional coverage can be purchased for either event to provide you with protection needed.
A few simple precautions can help to safeguard your home and possessions from water damage:
- Install water alarms. They work like smoke detectors but warn of leaks from toilets, water heaters, overflowing baths and sinks. Simply place near any water source and a high-pitched alarm alerts you to water leaks. Water alarms start from as little as $15 a unit.
- Install stainless steel-braided hoses where possible. These hoses cost around $20 and are less likely to deteriorate than plastic hoses. Dishwasher and washing machine hoses should be inspected and replaced every three to five years.
- Use a rain barrel. Rain barrels keep rainwater out of overloaded storm sewer infrastructures and provide you with water for your garden. Check if your municipality has a program that offers subsidies for a rain barrel purchase.
- Connect an eavestrough downspout extension. Extend the eavestrough at least six feet from foundation walls to prevent water from draining into your basement, and direct it towards the street. Downspout extensions cost around $15.
- Check the foundation. As ice melts or after heavy rain, clear any pooling water away from the home.
- Inspect the roof. Get the roof inspected every few years to check the condition of the shingles and replace when necessary in order to prevent leaks.
- Test the sump pump. If the basement has one, examine it and conduct a test run especially if it doesn’t get used frequently.
- Protect your valuables. Consider moving valuables away from high-risk areas, such as the basement, or place items on high shelves or risers, especially in homes prone to water damage.
To learn more below about BCAA Home Insurance and how you can protect your home and most valued possessions contact an expert BCAA Insurance Advisor who will be happy to assist you. Call us today 1.866.663.1956
BCAA logo 2014
BCAA: Award-Winning Home Insurance
At BCAA, we know every home and every homeowner is different. That’s why our expert advisors take the time to get to know you better. We work with you to understand your needs and recommend the best, customized coverage for your specific situation.
As a member organization, we are focused on helping our Members and our community. This means you can count on BCAA for honest and expert home insurance advice. We take pride in going the extra mile for our Members and at BCAA we make it our business to make sure your most valued assets are protected.
Members Save Up to 15 Percent
Your BCAA Membership automatically saves you up to 15 percent on home insurance. Plus you can take advantage of additional savings such as:
- Up to $40 when you insure both your car and your home through BCAA
- Eligibility for a reduced $200 deductible for BCAA Members
- Up to 10 percent for making your home safe and secure
- BCAA’s claims free, new home and renovated home discounts
Locally Based
As one of the largest providers of home insurance in BC, BCAA has been serving the insurance needs of BC homeowners and renters for more than 40 years. With 27 offices province-wide, we know that BC homeowners have unique needs that some national companies might not be familiar with. You can count on us for local knowledge and experience, regionally based home insurance advice. And in the event of a claim, you can depend on us for responsive and friendly service.
Home insurance is sold through BCAA Insurance Agency and underwritten by BCAA Insurance Corporation. The information provided in this marketing piece is intended to provide a product overview only. Complete terms, conditions and exclusions are detailed in the policy declaration and wording – click here.
