Nearest broker: Searching for a broker nearby…
Nearest broker: , Edmonton, AB Phone: 780.755.0110 5020 Lac St Anne Trail N, Onoway, AB, T0E 1V0 Phone: 780.967.2282 , Edmonton, AB Phone: 825.467.5631 206 Pembina Rd, Sherwood Park, AB, T8H 0L8 Phone: 780-732-8616 10060 Jasper Ave, Edmonton, AB, T5J 3R8 Phone: 780-435-3632 , Calgary, AB Phone: 403-532-4882 322 Avenue C S, Saskatoon, SK, S7M 1N4 Phone: 639-398-4170 5317 50 Ave, Taber, AB, T1G 1V3 Phone: 403-223-2377 110a McLeod Ave, Spruce Grove, AB, T7X 2H8 Phone: 780-571-1144 496 Marquis Rd, Prince Albert, SK, S6V 8B3 Phone: 306-970-8080 335 Hwy Avenue N, Picture Butte, AB, T0K 1V0 Phone: 403-732-6023 2201 Box Springs Blvd NW, Medicine Hat, AB, T1C 0C8 Phone: 403-487-5132 550 Wt Hill Blvd S, Lethbridge, AB, T1J 4Z8 Phone: 403-394-1123 734 13 St N, Lethbridge, AB, T1H 2T1 Phone: 403-328-9114 5 St SE, High River, AB Phone: 403-652-4104 9904 103 St, Fort Saskatchewan, AB, T8L 2C9 Phone: 780-998-0881 201-4271 23 Ave NW, Edmonton, AB, T6L 5Z8 Phone: 780-466-2136 3908 97 St NW, Edmonton, AB, T6E 6N2 Phone: 780-465-6900 8170 50 St NW, Edmonton, AB, T6B 1E6 Phone: 780-469-9378 52 Ave, Drayton Valley, AB Phone: 780-621-1707 1331 Macleod Trail SE, Calgary, AB, T2G 0K3 Phone: 403-278-1050 1331 Macleod Trail SE, Calgary, AB, T2G 1E1 Phone: 403-255-2252 234-7 Westwinds Crescent NE, Calgary, AB, T3J 5H2 Phone: 403-775-2100 , Calgary, AB, T3K 0S8 Phone: 403-719-9995 5114 2 St, Boyle, AB, T0A 0M0 Phone: 780-689-3946 50 Ave, Bonnyville, AB Phone: 780-826-3147 12931 20 Ave, , AB, T0K 0E0 Phone: 403-562-2191 2903 Kingsview Blvd SE, Airdrie, AB, T4A 0C4 Phone: 403-945-8885

4 Steps to Prepare Your Home for Spring Flooding in Alberta

Home Insurance

By Samantha Lemna | April 15, 2019

Thanks to snowmelt and seasonal rainfall, late spring is the season for flooding in Alberta. Flooding can occur from a body of water (such as a river) overflowing, but it can also be caused by poor drainage when there’s a rapid accumulation of water, too. Sewer backup flooding can also happen from within your home.

Luckily, you can prepare in advance for spring flooding and help reduce or prevent water damage to your home. Here are the steps:

  • Evaluate your risk.
  • Take preventative measures.
  • Develop an emergency response plan.
  • Review your insurance.

Evaluating Your Risk for Spring Flooding in Alberta

The Government of Alberta provides a flood hazard map that allows you to check if your home is at risk for flooding. You can also check municipal websites like the City of Calgary for additional flood mapping and flood-related information. Keep in mind that the severity of a flood can vary; you may be at risk for every flood event or only affected by major ones.

Keep in mind that river or lake overflow isn’t the only source of flooding. It can also happen with rapid precipitation and snowmelt in an area with poor drainage. Manmade construction and a lack of maintenance can also contribute to water accumulation. Here are some things to look out for around your home:

  • Poor grading around your home (such as the ground sloping downwards towards your foundation).
  • Standing water for more than 24 hours after it rains.
  • Previous water or moisture damage inside or around your home.
  • Debris such as leaves contributing to poor drainage.
  • Eavestroughs that aren’t well maintained or drain towards your home.

If you’re buying a home, make sure to check if it’s in a flood area and if they’ve ever had water issues before. Your inspection should also check for signs of water damage, particularly to the basement.

A sewer backup event can occur in any home but a home with poor drainage is more at risk. We discuss a number of prevention measures you can take to help prevent sewer backup damage here.

Take Preventative Measures to Protect Your Home

What can you do to help reduce or eliminate damage during a flood? Thankfully, there’s actually a lot you can do! First, if you identified any problems with drainage make sure you address them either by regrading your property and fixing eavestroughs. You can also help protect your home from spring flooding in Alberta by:

  • Cleaning eavestroughs and ensuring they’re draining at least two metres from your home (onto grass is best).
  • Regrading your property so that it the slope is away from the house.
  • Landscaping your yard with vegetation as native plants can improve drainage.
  • Install a sump pump (preferably with a battery or generator as a backup in case the power goes out).
  • Install a sewer backup valve.
  • Keep toilet and drain plugs on hand.
  • If flooding is imminent, sandbag your foundation and any entrances to the home (doors and windows) or keep materials on hand to do so.
  • Stay on top of snow removal and always remove it away from your home’s foundation.
  • Keep an eye on nearby bodies of water; if you have small creeks or ponds on your property you should look into flood landscaping.

Develop an Emergency Response Plan for Flooding

A key part of flood preparation is creating a plan of what to do in the event of a flood. This includes what to do if you need to evacuate or stay in place – and don’t forget about your pets. Keep in mind that you may not have access to power or essential services. An emergency survival kit is a key part of your emergency response plan. Your kit should include:

  • Clean water supply (at least 3L per person per day).
  • Non-perishable food.
  • A crank or battery-operated radio.
  • Flashlights.
  • Blankets and/or sleeping bags.
  • Additional essential clothing items.
  • A first aid kit.
  • Essential medications.
  • Food, water, medication and anything else necessary for your pets.
  • Phone chargers with external batteries.

Be prepared to evacuate your home – you should take important documents. Be sure to move anything valuable from the basement or lower floors, and store as much as you can in sealed plastic containers to protect what’s inside. If you can, you may want to take your most treasured things with you when you leave.

Once you’ve got a plan make sure the whole family knows what to do. Communication before a flood is key especially since phone lines may be busy.

Review Your Insurance

The last step is to review your insurance coverage with your broker. This should be done at least once a year.

Standard home insurance doesn’t usually cover flood damage. You’ll need to purchase add-on coverage known as an endorsement. Usually, flood protection is sold as a package including overland water and sewer backup protection.

Unfortunately, not all insurers offer flood insurance. Some may not offer it to you or will only offer sewer backup coverage if you live in an area that will likely flood or is close to a body of water.

Sewer backup insurance covers damage caused by the overflow of drainage or sewers into your home. There are different limits to the amount of damage that will be covered and sometimes you’ll pay a separate deductible. Insurance companies also offer incentives for sewer backup prevention measures such as a sewer backup valve.

Overland water insurance covers damage from water entering your home from above ground due to the overflow of bodies of water and/or high levels of precipitation or snowmelt. Some insurers only cover precipitation accumulation and not the overflow of bodies of water.

Where the water comes from matters when it comes to your insurance coverage. For example, if groundwater seeps into your home through a crack in your foundation, you most likely won’t be covered with regular home insurance or the overland water endorsement.

Talk to your broker about your options when it comes to flooding and home insurance. Insurance products are ever-evolving and a different insurer may be a better fit for your needs.

Get A Quote From A-WIN

Get the best insurance deals and stay on budget.

Get A Quote

Life Events - It's Time to Reassess Your Insurance

Whether it’s heading off to university or deciding to start your own business,...


Rogers Insurance and CapriCMW merge to become Acera Insurance.

A-WIN Insurance is part of the Rogers Insurance Group.

Click to learn more about how this merger will impact A-WIN Insurance. Our branches will remain independently owned and operated.