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Nov 20, 2017 / By admin

Waterproof Your Insurance – Winter Review

Insurance water coverage differs across home insurance policies and it’s recommended you consult with an insurance broker to explore the different insurance companies and understand the coverage options available. Some policies will severely limit your coverage based on the type of water damage. In some examples, we have seen coverage as low as $25,000 only. Keep in mind that water damage loss is typically greater than just the contents in your basement. Clean up clean up cost, remediation and possible structural damage are things to consider when reviewing your insurance coverage limits. Some insurance companies will sell you a home insurance policy at a low price but it could be useless policy in the event of a loss. The right policy will ensure your financial stability if ever an unfortunate event would happen. The Unifor insurance program is here for you – to get expert advice and explore options. Give us a call at 1-877-229-4677 to discuss your options with a trusted Unifor group insurance broker.

In some cases, prevention is the cheapest insurance policy you can get. There are many ways unwanted water can enter your home causing headaches of inconvenience and damaging personal property that money can’t replace. The first step is to understand the causes of water damage. Typical water damage we’re familiar with come from sewer backup, a sump pump failure, burst pipes and spring thaw – all which are triggered by drastic changes in temperature. During winter, we recommend some easy steps to prevent damage to your home.

Here’s a quick winter checklist to make sure any exterior water pipes, hoses and faucets are properly winterized:

1. Turn off the outdoor water shut-off valve – Typically located in the basement near the ceiling where the outdoor faucet is located. You will likely notice a large valve and mini valve. Step 1 is to turn off the large valve only.

2. Drain and remove hoses – It’s recommended to drain the hoses and store indoor during the winter season to increase the life of the hose. Extreme weather conditions could break down the hose material creating unnecessary expense to fix or replace.

3. Drain the pipes – turn on the outdoor faucet to allow any remaining water to come out. Even a small amount of water trapped in the pipe could crack the pipe.

4. Open the indoor drip valve – In Step 1 you should have noticed a mini valve. Open the valve to allow any remaining water to come out. The drip valve usually looks like a small metal cap and often located on the bottom of the shut-off valve.
Make sure to review your home insurance annually and before major seasonal temperature changes.

Don’t wait for major water damage to find out you don’t have good coverage. A Unifor group insurance broker will help you understand the fine print. We’re proud members of Local 1106 helping other Unifor members.