Summer storms shake cities & flood streets

The topic of wild weather is a common conversation starter year round. The summer of 2008 in Ontario was supposed to be hotter and drier than usual according to early forecasts by Environment Canada. It seems as though Mother Nature has had a change of heart and chosen to offer up a steady helping of rain, thunder storms and even hail so far this season.  Residents and businesses have been busy coping with sudden weather changes which in some cases, has produced property damage to buildings, yards and homes. Recent storms have toppled large trees, produced flash floods and shut power down in areas across the province. There even have been reports of possible injuries caused by lightening strikes. We typically look forward to the summer months so that we can enjoy the long, hot days and warm clear nights. The conditions this summer have forced us to change our plans, cancel outdoor events and even spend our free time repairing damage to yards and houses.

Homes with sump pumps should be protected against power fluctuations in order to avoid basement flooding. Back up systems such as generators or solar batteries can be used to ensure the operation of vital appliances but they can be expensive to purchase and install. In addition, generators that are not used for long periods may not start when they are needed. It is wise to check back up equipment often and service systems regularly.

 

Many insurance policies have restrictions when it comes to covering damage cased by flooding. Property owners and tenants should review policies so that they understand exactly what is and is not covered. A tenant may think that property damage caused by a flood in a basement apartment is looked after by the landlord. This is not usually the case. The tenant should carry their own tenant insurance in order to protect their personal belongings and expenses in the event of a disaster. The cost for this insurance is typically quite low and relatively easy to acquire. Be advised though that several claims against the policy could lead to changes in coverage or even cancellation all together. Tenants should choose a deductible that they are comfortable with and to only proceed with claims for significant damage.

 

Landlords can reduce the possible damage to a property during a storm by ensuring that nearby trees are properly trimmed of weak or overhanging branches.  It is vital that the lot is properly graded so that water can drain quickly away from the building and into the appropriate storm sewer or retention pond. Regular gutter cleaning is also a great way to ensure that water can run freely off the roof without being held back by leaves and debris. This type of preventative maintenance can protect an investment property from expensive repairs after an aggressive storm.