When it rains, it pours: How to protect your home from water damage

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(NC)—Thawing snow and ice mixed with spring showers can wreak havoc on homes. According to the Insurance Bureau of Canada, water damage is now the leading cause of property damage in Canada, costing insurers approximately $1.3 billion per year. However, Dave Minor, Vice President, TD Insurance, says there are precautionary measures homeowners can take to ensure their homes stay dry no matter how hard it pours.

Scan the perimeter: Are your eavestroughs and drains clear and does the downspout extend at least six feet away from your home? Has your driveway, patio or sidewalk settled? Is snow cleared at least three to five feet away from your house? Are your shingles properly repelling water? Make the time to walk around the exterior of your home to check for these and other red flags before they become big problems.

Be safe rather than sorry: Before a heavy rainstorm ruins irreplaceable valuables and family heirlooms, think before you store. Move valuable items to upper floors or in waterproof containers, and secure appliances and furniture on cement blocks. Be sure to keep a detailed inventory of your valuables – including serial numbers and dates purchased if you can – so that if you do have to make a claim, the process will be easier.

Understand your coverage: Many homeowners and tenants don't know the level and extent of their insurance policy, and this coverage may vary for water damage. Speak to your insurance provider so there are no surprises if the unexpected occurs.

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