How to Protect your Property and Avoid Water Damage as the Seasons Change

In Northern Ontario, we know winter is not just about pretty snowy views and warm nights by the fire.  It also brings challenges—especially regarding home maintenance. As of February 28, 2025, Sault Ste. Marie has received 388.5 cm (or 12.74 ft) of snow – double the average snowfall for this time of year!

This much snow is great for snowmobiling and skiing. However, it also raises the risk of water damage when temperatures rise. Melting snow, ice dams, and sudden thaws can all put your home at risk, making it essential to take proactive measures.

Knowing how to prevent and protect against water damage is important. It helps keep your home safe and avoids claims and costs.

Understanding Water Damage and Home Insurance Protection

Not all water damage is covered by a standard home insurance policy. Understanding the differences in coverage can help you ensure that you properly protect yourself. Our local brokers have experience and can explain your options. They will recommend a policy that fits your needs.

• • Overland Water Coverage: Protects against flooding from overflowing rivers, heavy rainfall, or melting snow that enters your home. Learn More ➧
  • Sewer Backup Coverage: Covers damage caused by wastewater backing up into your home through drains or toilets. Learn More ➧
  • General Water Damage Coverage: This may cover issues like burst pipes or leaks. However, it usually does not cover overland flooding or sewer backups unless you add them as an endorsement.  Learn More ➧

LEARN MORE ABOUT THE 5 TYPES OF WATER ➧

Preventing Water Damage: Essential Steps for Homeowners

Taking proactive measures can help reduce the risk of water damage and protect your home from costly repairs.

Outdoor Protection

• • Maintain Eavestroughs & Downspouts: Keep them clean and ensure water is directed away from your home.
  • Clear Snow & Ice in Winter: Prevents ice dams that can cause water to seep under shingles.
  • Ensure Proper Grading: The ground should slope away from your home to prevent water pooling near the foundation.
  • Install Window Well Covers: Helps prevent water from seeping into basement windows.
  • Check Your Roof Regularly: Repair missing shingles or damage that could lead to leaks.

Read More Prevention Tips ➧

Indoor Protection

• • Install a sump pump: This is essential for homes in flood-prone areas to remove excess water.
  • Use a Backwater Valve: Prevents sewage from backing up into your home.
  • Monitor Humidity Levels: Use a dehumidifier in basements to prevent moisture buildup.
  • Inspect Appliances & Plumbing Regularly: Check for leaks in dishwashers, washing machines, and water heaters.
  • Seal Cracks in Foundation & Walls: Prevents water intrusion during heavy rainfall.

What to Do If Water Damage Occurs

Even with the best prevention strategies, water damage can still happen. If it does:

1. 1. Act Quickly: Do what you can to stop water from spreading in your home. Use buckets to catch leaks. If water is coming from inside the house, turn off your main water supply.
   2. Contact Your Insurance Broker: Report the damage and follow their guidance. Your broker can help you find a qualified restoration company.
      They will assess the situation and prevent future damage. They will also help you decide if you should submit a claim. If you file a claim, your broker will help guide you through the process and advocate for you.
   3. Document the Damage: Take photos and videos of the damage to assist with the claims process.
   4. Begin Drying Out the Area: Use fans and dehumidifiers to remove standing water. The restoration company will often provide these when they come to review the damage.

Stay Protected with the Right Insurance Coverage

Water damage can be unpredictable, but taking proactive steps and ensuring you have the right insurance coverage can make all the difference. If you’re unsure about your current policy or need additional protection, contact Northern Insurance Brokers today for expert guidance.

Additional Learning Resource:

For more information about home insurance and water damage coverage, visit the Canadian Underwriter.