In Ontario, particularly in rural areas, the risk of flooding is a persistent concern for homeowners. With extreme weather events becoming more frequent, it is essential to safeguard your home against potential water damage. As insurance brokers, we understand the importance of being prepared and protected – current claims statistics put water damage at roughly 44%, with fire claims sitting just behind 30% of total claim dollars spent. Learn how to be prepared by reading below or contacting your VLG Broker to learn more about your specific coverage options.   

Flood Prevention is Key 

One of the most effective ways to mitigate flood damage is through preventative measures. Installing a sump pump, especially in flood-prone areas, can be a game-changer. A sump pump acts as a backup system, efficiently removing excess water from your basement or lower levels. Regular maintenance, including checking the sump pump and ensuring the proper functioning of the check valve, is crucial to its effectiveness.   

Sump Pump Installation 

If you’re considering installing a sump pump, it is essential to choose the right type for your home. Submersible pumps are ideal for spaces with limited room, while pedestal pumps offer easier access for maintenance. Professional installation ensures proper placement and functionality, providing you with peace of mind during heavy rainfall or flooding events. 

Insurance Coverage 

Home insurance policies vary in their coverage of water damage, making it imperative to review your policy and understand its limitations. While standard policies typically cover water damage caused by sudden and accidental events, such as burst pipes or appliance malfunctions, they may exclude coverage for flooding. However, additional flood insurance can provide the protection you need, reimbursing you for damage to your home and belongings in the event of a flood. 

Navigating Coverage Options 

In Ontario, homeowners have access to various flood insurance options. A broker can help you assess your flood risk, understand your coverage options, and find a policy that offers the right level of protection for your home and budget. In addition to private insurers, Canadian homeowners may also have access to government-backed flood insurance programs. These programs are designed to provide affordable coverage to residents in high-risk areas and often work in partnership with private insurers to administer policies. 

Home Flooding Solutions 

Beyond insurance coverage, there are several proactive steps you can take to minimize the risk of flooding and water damage. Simple measures such as clearing gutters and downspouts, redirecting runoff away from your home’s foundation, and sealing cracks in your basement walls can go a long way in preventing water intrusion. 


In Ontario, the threat of flooding is a reality that homeowners must contend with. By implementing preventative measures such as sump pump installation, understanding your insurance coverage options, and taking proactive steps to safeguard your home, you can mitigate the risk of water damage and protect your most valuable assets. Remember, preparation is key, and with the right knowledge and resources, you can weather any storm!