Rain and Flood Preparedness: Securing the Right Coverage to Safeguard You in Nova Scotia’s Changing Climate

Nova Scotia recently experienced a devastating rain and flood disaster that left many communities grappling with the aftermath. As we come to terms with the severity of this disaster, it serves as a stark reminder of the importance of being prepared for such events.

One of the crucial aspects of preparedness is having the right insurance coverage in place. In this blog, we will explore the risks associated with floods, evaluate your current coverage, delve into the significance of flood insurance, and provide valuable tips to secure the appropriate protection. 

The recent rain and flood in Nova Scotia have demonstrated the sheer magnitude of water’s destructive power. Parts of the Halifax Regional Municipality recorded more than 250 mm of rain during the prolific thunderstorms that persisted through the afternoon and evening hours. The average summertime rainfall in Halifax is usually around 270 mm. “This certainly ranks as one of the highest impact flash floods in Canadian history,” says Chris Scott, Chief Meteorologist at The Weather Network. 

Evaluating Your Current Coverage

Ensuring you have the appropriate coverage is of utmost importance. Take, for instance, Overland Water and Sewer Backup coverage – it is essential to verify that the limits are sufficient to protect all your belongings in case of destruction. Additionally, it should cover the repair or replacement of your floors, baseboards, walls, and more.

We encourage everyone to thoroughly review their current policies and assess whether they provide comprehensive protection. If you aren’t sure what your coverage includes we encourage you to reach out to your provider or contact us at Cluett Insurance, we are here to assist you in understanding your coverage and tailor it to meet your unique needs. 

Emergency Preparedness Tips

In addition to insurance coverage, being prepared for emergencies is equally essential. Here are our top 10 tips to help you be better prepared:

1. Know Your Risk: Understand the flood risk in your area by checking flood maps and assessing the potential for water damage. Stay informed about weather forecasts and warnings to be prepared for any upcoming rain events. Just because your area hasn’t been impacted before doesn’t mean it can’t happen. We’ve seen incredible changes to our environment and landscape in recent years.
2. Create an Emergency Plan: Develop a comprehensive emergency plan for your family. This should include evacuation routes, a communication plan, and a designated meeting place in case you are separated during a flood event.
3. Elevate Electrical Systems: Raise electrical outlets, switches, and appliances above potential flood levels to prevent damage and electrical hazards during a flood.
4. Install Sump Pumps and Backflow Valves: Consider installing sump pumps in your basement and backflow valves in your sewer lines to prevent water from backing up into your home.
5. Secure Valuables and Important Documents: Store important documents, such as insurance policies, in waterproof containers. Elevate valuables and electronics to higher levels to protect them from water damage.
6. Maintain Gutters and Downspouts: Keep gutters and downspouts clear of debris to ensure proper drainage and prevent water from pooling around your home.
7. Create a Home Inventory: Document your belongings and their estimated value, including photos or videos. This will assist you in filing insurance claims more efficiently in case of flood-related losses.
8. Familiarize Yourself with Flood Safety: Know how to stay safe during a flood. Avoid walking or driving through floodwaters, as they can be deeper and more dangerous than they appear. Follow evacuation orders promptly to protect yourself and your family.
9. Keep Emergency Supplies Ready: Have an emergency kit ready with essentials like non-perishable food, water, first aid supplies, flashlights, batteries, and a battery-powered radio.
10. Protect Your Home’s Foundation: Seal cracks in your home’s foundation and walls to prevent water seepage. Consider using water-resistant building materials when renovating or making repairs.

As Nova Scotians, we understand the unpredictable nature of our weather, and being prepared is essential for our safety and security. The recent rain and flood event serve as a reminder that securing the right insurance coverage is paramount in protecting our homes and livelihoods. At Cluett Insurance, we are dedicated to supporting our community and guiding you towards the right flood insurance solutions. Together, we can face the future with confidence, knowing that we are prepared for any challenges that come our way.