Smith Petrie Carr & Scott



Protect Your Home from Common Springtime Damage

Spring is upon us and what that means for Ottawa is a sudden spike in warmer temperatures. Melting snow causes basement flooding in many homes across the city each year. Although it is impossible to control the weather, we encourage RA members to safeguard their homes by making a few simple changes that will significantly reduce the negative effects of flood damage.

Most comprehensive home insurance policies have historically excluded damage from “seepage and leakage” of water into your home as well as the accumulation of surface water resulting from a major thaw. With the arrival of the new ‘Overland Water’ coverage option from Economical Select, we are better able to protect RA group members against such occurrences, as coverage for most rain and river flooding events is now available under the new “Waterwise endorsement”.


Here are some tips to protect your home and property from flooding:

  • If the area you live in is susceptible to sewer back-up, make sure your home has a back-flow valve and plugs for drains, toilets and other sewer connectors installed.
  • If you have an unfinished basement, we suggest you store items in plastic containers or on shelving at least 12 off the floor.
  • Ensure your window wells are clear of dirt and debris and periodically check your foundation for signs of wear, tear and cracks. Keep eaves and downspouts clear of debris and make sure water flow is directed away from the foundation.
  • Check shingles, chimneys, air vent and flashing for any damage. Your eaves troughs and downspout system may have a buildup of leaves and granules from shingles over the winter, which may result in a back-up of water into your residence.
  • Shovel away remaining snow from the foundation to reduce surface water during the sudden spring thaw. Areas around ground level windows and window wells should be cleared regularly.

Call Smith, Petrie, Carr & Scott insurance brokers for more information about available water related coverage options and to find out how you can save with the RA Centre’s members only group Home and Auto insurance plan.


Smith, Petrie, Carr & Scott Insurance Brokers Ltd.

Join the RA Centre's Group Home and Automobile Insurance Plan.
Members can save up to 30%.



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RA Centre  |  2451 Riverside Drive, Ottawa, ON K1H 7X7 | 613.733.5100 |