According to a recent RBC Insurance survey, 25 per cent of Canadian homeowners have experienced water damage to their home over the past two years. Water seepage/leakage inside their home was the most common (36 per cent) cause with basement flooding (31 per cent) and roof leaks (26 per cent) rounding out the top three.

Depending on your home insurance policy, some of these causes of water damage may be covered, while others may not.

"With one-quarter of Canadian homes affected by water damage, we suggest homeowners always review their home insurance policy and take a proactive approach to protect their home from extensive property losses" explains Tim Bzowey, vice president, Home and Auto, RBC Insurance. "Fortunately, all it takes are a few simple steps to help reduce their risk of water damage."

• Maintain eaves troughs and downspouts to ensure that leaves and debris are clear for water flow during rain and snowstorms. This can also prevent ice damming that could cause damage to roofs ultimately seeping into the ceilings of your home.
• Ensure that your roof, doors, windows and your basement foundation are properly maintained and seal any cracks to avoid possible seepage or leakage into your home.
• Have someone check your property if you are going away for more than three days. Drain the plumbing and ensure you maintain proper heating in your home, as well as insulate any exposed pipes to prevent freezing.
• Avoid piling snow against your house foundation to reduce the risk of water leakage into your basement. Clearing the snow just three to five feet from your home should reduce any problems.

For more information, please visit www.rbcinsurance.com.

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