Flood Risk 101: How To Reduce the Potential for Water Damage

25 August 2017 - 9:43, by , in Blog, No comments

Happy Friday!

Premier has been busy over the spring and summer months assisting our clients with a number of building issues related to water damage and mould.  With recent rain levels being significantly higher than normal, many regions have experienced flooding and local residents and businesses have struggled to protect their properties and valuable belongings.

Heavy rain events are often unpredictable, and little can be done to control water levels once they pass beyond a certain threshold.  This was evident on the Toronto Islands which were closed to the public for nearly three months this spring and summer due to unrelenting flood waters.  The complete economic impacts of the flooding will not be realized for some time, but these are often devastating to those who live and work in flood-affected areas.  This Globe and Mail article highlights some of the economic impacts that have resulted from the flooding of the Toronto Islands:


We obviously know how to deal with water damage and the resulting mould growth in a building when it DOES happen.  But what can be done to reduce the potential for water damage?  Here are some questions every home owner and/or business owner should consider:

  • Does your insurance policy cover losses related to water damage or mould?
  • Is the property within the flood plain? If so, have measures been taken to divert stormwater away from the property?
  • Does the property have a history of issues related to flooding or water damage?
  • Is there a sump? If yes, has the sump pump been tested recently and is there a back-up plan to evacuate water during a power failure?
  • Are the building foundation walls properly sealed?
  • Are there any mature trees nearby? Is it possible that the tree canopy or root system extends close enough to the building to cause damage?
  • Are the roof, windows, and water drainage systems in good working condition? When are these due for repair or replacement?
  • Do you have a plan in place to remove and store your valuables if flooding is imminent?

As the following Huffington Post article demonstrates, researchers at the University of Waterloo found that Canadians have a definite lack of awareness when it comes to flood risk.









Understanding the risks and proper planning are important first steps in protecting your property from water damage.  When buying or leasing a property, consideration should always be given to those major factors which cannot be avoided (e.g., a water body) or easily repaired (e.g., stormwater infrastructure).

If you would like to learn more, please contact Troy Jones at tjones@premiercorp.ca

Written by Troy Jones

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