Heavy rains: Beware of water damages

Heavy rains can cause significant water damage to your home including:

  • basement flooding due to sewer backup or water seepage through a crack in the soil,
  • water seepage from the roof and windows.

These situations are becoming more frequent because of the extreme weather conditions observed in recent years. In fact, over the past 60 years, average precipitation has increased by 16%.

But it is not only the increase in precipitation that’s causing flooding. Indeed, there are more and more cases of torrential rains that leave large amounts of water over a short period of time. This was the case in Gatineau in 2017 and 2018, where more than 100 millimeters of rain fell in a very short period of time. Result: streets, shops and houses flooded.


Municipal infrastructures

It is a real challenge for municipal infrastructures to receive so much water in such a short period of time. In some municipalities, infrastructures are aging and obsolete, making it harder and harder to handle the increased volume of water. In addition, most Canadian municipalities have had populations increase significantly in recent decades. Infrastructures are stretched well beyond their intended capacity. So when extreme weather events, such as torrential rains.,  overburden municipal sewage and storm water infrastructures in an instant, it’s no surprise, there's so much water damage. Your home is more vulnerable than ever to the risk of water damage.

  • How to avoid the worst

  • Am I covered for basement floods, sewer backups or water seepage?

  • What can be done to limit the damages when a disaster occurs?

What are the steps to follow after a water damage?

  • If you purchased additional protections covering water damages

  • If your insurance policy doesn’t cover water damages


* Check your insurance policy for conditions, restrictions or exclusions or talk to your broker to make sure you are covered.






Government of Canada – Precipitation change in Canada

The content in this article is for information purposes only and is not intended to be relied upon as professional or expert advice. Aviva and the Aviva logo are trademarks of Aviva plc. and are used under licence by Aviva Canada Inc. and its subsidiary companies.