Prevent water damage in your home with these 13 tips

You can prevent many types of water damage in your home by taking simple, routine precautions.

Here are 13 practical steps you can take to reduce the risk and limit damage if an incident occurs.

1. Replace your hot water tank every 10 to 12 years.

Over time, rust can weaken the tank. Replace your tank before it breaks. Watch for signs of wear, such as corrosion or verdigris.

2. Install a non-return valve

This device will prevent waste water from backing up into your basement. Clean it twice a year and check that it’s working properly.

3. Keep the floor drain clear

Make sure nothing is blocking the floor drain so water can flow freely and drain properly.

4. Choose water-resistant materials

For the basement, go with ceramic tiles or bamboo floors. Avoid hardwood flooring, which doesn’t withstand moisture well.

 

Use more resistant and durable materials.

In the event of a claim, some insurers will reimburse part of the additional reconstruction cost if you go with water-resistant materials.

5. Attach two pumps to your sump pump

Add a battery backup pump to your electric pump. That way, you’ll rest even easier knowing that one of them will pump out excess water, particularly during a power outage. You should test them a few times a year.

6. Take precautions before leaving your home in winter

If you’ll be away for more than three days, drain the pipes and arrange for someone to check that the heating system is operating properly.

7. Clean your gutters and window wells

Remove debris and other obstructions at least twice a year. Make sure water is directed away from your home's foundation.

If it doesn’t, add downspout extensions so that the water drains at least 2 metres away from the foundation.

8. Keep water away from the foundation

To avoid water seepage, the land around your home should slope downward by at least 2 metres to prevent water accumulation.

9. Protect your sloped garage entrance

If your driveway slopes downward, water can quickly accumulate in your basement.

Start by checking that the drains in front of the garage door are clean, free of fallen leaves, and properly draining water.

Regularly inspecting your garage door helps protect your home and avoid costly repairs. A flexible, well‑maintained bottom seal prevents water from seeping under the door. Side seals help block runoff from entering along the edges. Proper door adjustment ensures even pressure on all seals.

You can then take additional steps:

  • Install a watertight garage door, the most effective way to keep water out.
  • Add a removable flood barrier in front of the garage door to temporarily stop water. This is a more affordable option, as it does not require replacing your garage door.
  • Install a speed bump on the sidewalk to prevent water from flowing toward the garage. Your vehicle should be able to pass without touching the ground.
  • Create a catch basin with a submersible pump.
  • Install a water leak detector. It will alert you at the first sign of moisture in the basement.

10. Watch for sunken areas

In the spring, inspect your driveway, patio and the sidewalk (if applicable).

Repair any sunken areas promptly to prevent water from pooling around your home.

11. Landscape your property wisely

Choose tree species that are well suited to your property and plant them at least three metres away from your home.

12. Protect your belongings

Store valuable items in waterproof containers or keep them on an upper floor.

13. Check your home insurance

Your home insurance generally covers you for damage caused by an indoor sanitary system (e.g. break in the washing machine flue pipe) or broken municipal watermain.

Your home insurance does not cover all water damage, unless you have added coverage against :

  • Water seepage through the roof, walls, doors or windows
  • Ground water seepage through foundations
  • Sewer backup
  • Damage caused by flooding
  • Renovation costs following a sewer backup or watermain burst

To see whether you have the right coverage against water damage, contact your insurer.

They'll be able to recommend coverages that are best suited to your needs.

Get more prevention tips for your home

FAQ

What are the main causes of water damage in a home?

Appliance breakdowns, water infiltration and sewer backups are among the most common causes of water damage.

How often should home systems be maintained?

Annual maintenance is recommended, along with certain inspections that should be performed each season.

Which household systems and appliances are most at risk?

Water heaters, dishwashers, washing machines and sump pumps are among the systems and appliances most prone to water damage.

Are all types of water damage covered by your insurance?

No. Some coverages, such as protection against water infiltration or flooding, must be added separately.

What are the first signs of a problem?

Common warning signs include damp spots, musty odours, bubbling or peeling paint and visible leaks.