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My Home's Been Flooded, Now What?

By Josina Myrie  •  My Insurance Broker
Mar 14th, 2017 at 04:42 pm  •  Richmond Hill, ON

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A home flooding can result in a messy cleanup as well as have an adverse effect on your health. Not only would you have to deal with potential mould growth, but you could also suffer from respiratory problems and be exposed to viruses and bacteria. If you live in a low-lying area or have a combined sewer system, your basement could be susceptible to flooding. Water damage to homes can be caused by an overload of the municipal sewer system, overland flooding and the seepage of water through cracks in basement walls and floors.

The Cleanup Process after a Home Flood Should be Completed Within 48 Hours Image Source.

The Cleanup Process

Wear protective gear and use the correct equipment in the cleanup process. For a more effective cleanup and in order to adequately protect you, Canada Mortgage and Housing Corporation suggests utilizing “disposable gloves, protective mask, rubber boots, goggles, pails, mops, sponges, plastic garbage bags, unscented detergent and water”. Ensure that the area is well ventilated.

Remove water and other contaminants and dispose of household items that are difficult to dry after 48 hours. Canada Mortgage and Housing Corporation recommends utilizing pumps or pails to remove standing water and complete the drying process with a “wet/dry shop vacuum”. Mud and debris should also be removed as well as flooring and drywall that have been saturated by flood water.

Thoroughly clean affected as well as unaffected areas and any items that were secured from the flood. It is important to speed up the drying process with fans, heaters and dehumidifiers in order to prevent mould growth.

In hindsight:

If your home is flooded, it is important to remain alert and take precautionary measures to protect your health. While you may not be able to predict when disaster strikes, there are preventative measures that you can take to protect the interior and exterior of your home, such as installing a backflow prevention valve to prevent sewage from backing up into your basement. You should also store important documents and items of value in a safe place and refrain from keeping electrical appliances on the floor.

Contact a My Insurance Broker Advisor today to find out how you can obtain added protection for your home from water damage. Reach us at

1(855) 482-5001!

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Canada Mortgage and Housing Corporation. <a href=””> Flood Cleanup Prevent Mould Growth</a>
Electrical Safety Authority. <a href=””> Electrical Safety Tips for When Storm Weather Hits</a>
Electrical Safety Authority. <a href=””>Ontario Flooding: Water and Electricity are a Lethal Mix</a>
Hong, J. (2016, December 29). <a href=> How Toronto’s sewage system keeps us safe, from ‘fatbergs’ to preventing floods</a>
Institute for Catastrophic Loss Reduction. <a href=> Handbook for reducing Basement flooding</a>
Insurance Bureau of Canada. <a href=”https://”> Home Flooding Mitigation Techniques</a>