For many homeowners, the basement is no longer just a dark storage space. It’s a cozy extra room for the family, a home gym, a workspace, or even a mini movie theatre. While basements offer endless possibilities, they remain one of the most vulnerable areas in your home when it comes to flooding.
In recent years, heavy rainfalls have increased in Canada, putting more homes in flooded areas at risk. In fact, a new poll by Leger conducted for Allstate shows 1 in 10 Canadians. In addition, according to data from Allstate Canada, water damage is one of the top reasons customers submit a home insurance claim, and the cost of repairs has risen by nearly 20% between 2019-2024. If you’ve invested time, energy, and money into transforming your basement, it’s time to start thinking about how to protect that investment. Don’t worry, you don’t have to rebuild from scratch. A few thoughtful changes can make a world of difference.
1. Raise and Mount Your Electronics and Large Appliances
If your basement is where your entertainment system lives, take steps to keep your walls and floors completely dry. Mount TVs and speakers on the wall or elevate consoles on stands. This simple trick keeps them off the floor and away from potential water damage. If you have particularly expensive equipment, it may be worth relocating it to the main floor altogether. In addition, consider raising large appliances kept in the basement, like a washer, dryer, or HVAC equipment on concrete slabs or inside a concrete block wall to avoid damage. To avoid electrical shock, ensure service panels, meters, switches and outlets are at least 30 centimeters above the basement floor.
2. Switch to Waterproof Cabinetry
For those with basement kitchens or wet bars, consider upgrading to waterproof cabinetry and materials. Traditional wood cabinetry can warp or deteriorate quickly in the event of flooding, but waterproof options will give you added peace of mind.
3. Use Plastic Storage Bins
Still storing seasonal decorations, family keepsakes, or old documents in cardboard boxes? Swap them out for plastic bins with secure lids. They’re a much better defense against water and humidity, ensuring your belongings stay safe and dry. And just like electronics, try to store valuable documents and souvenirs on raised surfaces.
4. Install Water Detectors
Early detection is crucial when it comes to flooding. Water and leak detectors placed in key areas can notify you the moment water is detected. Better yet, install a system that’s compatible with your home’s monitored security system for more immediate alerts, even if you’re not home.
5. Protect Flooring and Choose the Right Materials
If you’re planning a basement renovation, choose water-resistant flooring materials like vinyl, tile, or sealed concrete. Avoid carpeting in areas that are prone to flooding—it absorbs moisture and can rapidly lead to mold growth. Use rugs that can be easily removed and cleaned instead.
6. Slope Your Landscaping Away from the House
Preventing flood water from pooling around your foundation is one of the best ways to protect your basement. Check your landscaping to ensure the ground slopes away from your home. This helps redirect water runoff and reduces the risk of excess water from seeping inside.
7. Keep a Backup Sump Pump
A sump pump is a good defense to get water out of the basement, but like any appliance, it can fail. Having a battery-operated backup sump pump ensures you’re protected even during a power outage or equipment failure.
8. Seal Cracks and Windows
Inspect your basement walls and windows regularly for cracks or gaps that could let water in. Seal them with waterproof caulk or other appropriate materials to reduce the risk of leaks. In addition, install window well and well covers on basement windows.
9. Ensure Proper Drainage Systems
A well-functioning floor drain is essential for keeping water away from your basement. Regularly inspect and clean your eavestroughs and downspouts to make sure they direct water at least six feet away from your foundation. Consider installing a backwater valve to prevent sewage backup during heavy rain. For homes in high-risk areas, a French drain (also known as a perimeter drain) can help divert groundwater away from your basement.
10. Get the Right Insurance Coverage
Even with all the precautions in place, sometimes flooding is unavoidable. Make sure your home insurance policy covers water damage related to flooding. Standard home insurance doesn’t always include flood protection, so it’s important to speak with your insurance company to understand your coverage and add flood insurance if needed. Find out more about Allstate’s Water Damage coverage in your province or contact an Allstate agent. Being properly insured can save you significant costs and headaches in case of an emergency.
11. A Little Preparation Goes a Long Way
In the event of a storm, be sure to review your emergency preparedness plan. Make sure all family members have each other’s contact information and know where to meet in case of an emergency. Learn about the emergency plans at your workplace and your children’s school or daycare.
Lastly, make sure asess the damage and record details of any damage before you clean up. Take photos or videos to help with your property damage claim.
No one wants to deal with a flooded basement, but the good news is that a few simple changes can significantly reduce the risk. Take some time to evaluate how your basement is used and what steps you can take to protect it. With a little preparation, you can keep your space cozy, functional, and safe from water damage.
After all, a basement should be a source of joy, not stress!
Disclaimer: This information has been provided for your convenience only and should not be construed as providing legal or insurance advice. Allstate does not control or guarantee the accuracy of any content on any third-party site. Allstate is not responsible for the privacy practices of any third-party site.