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Preventing water damage – Advice from your Desjardins Agent

We want you to stay safe in an emergency. That’s why we’ve put together some tips to help you keep your family safe and help prevent or minimize water damage.

How to prepare

  1. Check the gutters
    Make sure that they are free of all debris so they can drain properly.
  2. Repair caulking and cracks as needed
    This will help prevent water from getting in through doors, windows, the roof or the foundation.
  3. Move property out of the basement
    If there’s a risk of flooding, move furniture and other property out of the basement to a higher floor or raise them on Styrofoam blocks or panels.
  4. Keep waterproof boots and gloves handy
  5. Have battery-powered devices and spare batteries on-hand
    (e.g., flashlight, radio)
  6. Stock up on bottled water
    After heavy rains and flooding, there’s a risk of contaminated drinking water. Pay attention to boil water advisories. The best idea is drink bottled water until you know your tap water is safe.
  7. Wait for help in a flood
    Avoid entering flooded streets or rising pools of water as there is an increased risk of injury.

To find out more, visit Get Prepared, a Government of Canada website with information on what to do before, during and after an emergency.

How to limit damage

Depending on the extent of water damage, these tips can help you prevent further damage.

  • Move your furniture and property to a dry area
    You can also raise them up on Styrofoam blocks or panels.
  • Remove as much water as possible within 24 hours to prevent mould
    • Clean up the water using a wet/dry vacuum cleaner (e.g., Shop-Vac®). If you don’t already have one, you might be eligible for reimbursement of the purchase price (less than $100).*
    • Sponge-dry wet carpets and rugs with clean, white towels to avoid colour transfer.
    • Wipe off wet surfaces and dry out fabrics.
    • Remove wet cushions from couches and armchairs and stand them on end so they can dry evenly.
  • Clean and disinfect the premises with the following cleaning solution (for minor water damage only):
    • Mix 1 part bleach to 4 parts water and add a little ammonia-free dish soap. (Never mix bleach with ammonia, as the reaction will give off toxic fumes.)
  • Air out and dehumidify your residence
    Use a dehumidifier (commonly used in basements) and a fan in the affected room.
  • Avoid overheating the room
    Keep heat at a normal temperature for the time of year.
  • Make an inventory of your damaged property
    A form is available to help you keep track: (PDF) List of property
  • Take photos of the damage

If there is major water damage

Contact a damage clean-up company as soon as possible.* After that, contact our claims advisors, as they can provide all the additional guidance you may need.

How to file a claim There are 2 ways to file a claim:


Simply log in to My account to report an auto or home insurance claim. Don’t have an account? Signing up to My account is quick and easy.

On the phone

If you prefer to talk to someone to report your claim, our team is always here to help. Simply call 1-877-659-1570 or contact your Desjardins Agent.

*Refer to your insurance policy to determine the scope of your coverage. Keep receipts for all expenses incurred in protecting or preserving your property.

This information is provided for informational purposes only. Desjardins Insurance shall not be liable for any damages arising from any reliance upon such information. Desjardins Insurance recommends using caution and consulting an expert for comprehensive, expert advice. Full details regarding coverage and exclusions can be found in the insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.

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