The sun is coming out, and the snow is disappearing. You know what that means: it’s flood season.

And because flood season is upon us, it’s time to make sure you’re covered.

What you need to do is ask specific questions. When you call your insurance company, you should say ‘I want to know, do I have flood insurance, yes or no?’ And if the answer is yes, then ask ‘To what am I covered? How much am I covered?

It’s also important for you to ask for details on what is covered by your insurance plan. Things like whether acts of God or sewer backups are covered are important to know. Otherwise, you’re going to end up in a situation where a flood—knock on wood—and you’re not going to be covered.

There are also online resources that can give you an idea not just of what to do if there’s a flood, but where in your area may be prone to flooding.
You can look at provincial government websites, there’s a whole bunch of different places where you can go and get information about flood zones, and what you can do, and how to better prepare yourself and get yourself educated.
These government website often also offers advice on what to do to prepare yourself for flooding, as well as what to do once a flood has arrived.

We do more than just mortgages. We have a team that gets you from start to finish when purchasing your home—and this includes insurance.

Courtesy of Terry Kilakos – AMP – North East Mortgages based in Ville Ste-Laurent, QC