Spring Flooding: Understand, Prevent and Act

Spring floods can be devastating, causing considerable damage to property and endangering people’s lives, both physically and emotionally. These disasters bring stress, financial losses, unemployment, injuries and deaths, leaving people homeless, property destroyed, businesses paralyzed, crops lost and roads damaged, and sadly, they often result in the loss of human lives.

Understanding these events and taking preventive measures can help you better protect yourself.

Why do spring floods happen?

Spring floods, which usually occur between March 15 and May 15, are often the result of the melting of snow accumulated over the winter, combined with heavy rainfall. Unable to seep into the still-frozen ground, the meltwater runs off into waterways, increasing their flow and causing them to rise. Heavy spring rains make matters worse, creating conditions ripe for floods that go on to submerge homes, roads and infrastructure. Unfortunately, the risk of flooding is likely to increase in the coming years due to the impact of climate change.

Which regions are most affected by spring flooding?

In Quebec, the regions hardest hit by spring flooding are often located near waterways, lakes or areas with heavy runoff. The watersheds of major rivers, floodplains and coastal areas subject to tides are particularly vulnerable. About 20% of Quebec’s population, or roughly 340,000 properties, is exposed to flooding.

Does my insurance cover flooding?

It is essential to fully understand your insurance policy and the terms of your coverage in the event of a flood. Some home insurance policies may automatically include coverage for this type of disaster, while others may require additional coverage. It is therefore important to carefully review your insurance contract and talk to your insurer to make sure you are adequately protected against flood risks.

Although insurance companies offer flood coverage, if you live in a high-risk area, your insurer may refuse to cover this type of damage, or your insurance premium may be much higher.

Given these risks, taking out home insurance that includes flood coverage is essential. This insurance provides financial protection in the event of flood damage, allowing owners to recover part or even all of the cost of repairing or replacing their damaged property. This type of insurance can also cover temporary relocation costs, lost income and other expenses related to flood damage, providing valuable peace of mind in times of crisis.

If needed, ClicAssure will be happy to help you shop for new home insurance that can offer you the best coverage for your needs.

What about my car? Is it insured?

As soon as the water rises above the floor of your vehicle, the situation is critical and you must not start it, as doing so is not safe for you. This type of damage to a vehicle is covered as long as you have chosen “All Perils,” “Accidents Without Collision” or “Specified Perils” coverage. Your car insurer can guide you through the next steps and assess whether your vehicle is non-rebuildable under the criteria set by the SAAQ.

My insurance doesn’t cover flooding. What should I do?

If you don’t have insurance covering the overflow of a waterway, or if your coverage is insufficient, you could receive compensation from the Ministère de la Sécurité publique (MSP), which offers assistance covering the eligible property of owners and tenants.

Be aware that you cannot be compensated by both your insurer and the government for the same item. The claims adjuster assigned to your file can help you determine who to claim from for each of the damaged items.

How can you prepare for flooding?

Besides having the right insurance, planning and preparation are also essential to minimize flood risks and reduce potential damage. To prepare, it is crucial to create a family emergency plan, know the risks in your area and put together an emergency kit with essential supplies such as food, water, medication and important documents.

It is also recommended that you protect your home by installing sump pumps and flood barriers if you live in an at-risk area. If possible, we also advise you not to store items of great monetary or sentimental value in your basement, but rather to keep them up high. It is also important to keep accurate records of your belongings and their value, which will make the claims process easier in the event of a loss.

What should you do in the event of a flood?

During spring flooding, stay informed of weather warnings and follow the advice of local authorities. If your safety is not at risk, take the necessary steps to protect your property and keep the damage from getting worse. However, avoid venturing into flooded areas, crossing swollen waterways or driving on submerged roads. If necessary, evacuate to a safe place and follow the instructions of emergency services.

Afterwards, contact your insurer quickly to let them know about the situation and ask for advice. If you make a claim, it is important to:

• document the damage by taking photos and videos;
• keep your repair bills, as well as the receipts for what you had to spend on lodging and food;
• keep a record of all communication with your insurance company.

What are the economic consequences of spring flooding?

Spring floods cause significant economic losses, including damage to infrastructure and lost income for businesses and individuals. Repair costs can be considerable, affecting the economy of the regions hit.

As proof, here are some figures on the torrential rains and floods of spring 2017 and spring 2019 in Quebec:

In conclusion, protect yourself against spring flooding by taking out adequate home insurance and adopting preventive measures. With proper preparation, you can minimize the risks and protect your property. ClicAssure is here to help you find the best insurance for your home.

Reference: https://bac-quebec.qc.ca/fr/enjeux-en-assurance-de-dommages/inondations/