The Best Renovations to Prevent Fire and Flood Damage at Home


Are you worried about fire or flood damage in your home? Flooding and water damage can be incredibly expensive to clean up and repair and even the smallest fires can be expensive. Furthermore, any blaze runs the risks of doing severe damage to structures and personal belongings inside.

No one wants to have to deal with that kind of damage in their home. While you likely have insurance coverage for the event that something does happen, home insurance claims have a major impact on your life; including higher insurance premiums, debt from underinsurance, and the stress of dealing with an insurance adjuster at a sensitive time.

Not all fires or floods are avoidable. However, there are some home renovations that could reduce these risks and minimize the chances of having to make a home insurance claim. Many of them can also reduce your insurance premiums thanks to the reduced risks.

1) Replace Your Roof

Construction Worker
Replacing a roof is not a small renovation, but a roof is your first defence against the elements that might cause fire or flood damage. Repairing or replacing an old roof can cut down on leaks and mitigate damage during high winds.

In addition to water and wind damage, a roof replacement might also improve your home’s fire resistance, which is particularly important if you live in a risk area for wildfires. Roofs made of clay tiles, asphalt glass fibre, concrete tiles, and slate are the most fire-resistant and will best protect your home from the dangers of flying embers during a wildfire.

2) Updating Your Wiring

Electrical problems are among the top 5 causes of fires, alongside cooking, smoking, candles, and heating. There are several wiring updates you can make that will reduce your risks:

  • Worn out light switches;
  • Loose electrical outlets; and
  • Corroded light fixtures(fixtures typically last about 25 to 50 years before they should be replaced).

Inadequate electrical wiring is another major cause of housefires. If you notice that using one appliance causes other lights to flicker or a fuse to blow, consider calling in an electrician.

3) Install a Backwater Valve

Install a Backwater Valve
A backwater valve is one of the single most effective ways you can prevent basement flooding caused by municipal sewage backups. Heavy rainfall can overwhelm older city sewage systems that combine storm drainage with the sewage system. With nowhere for the water to go, it starts heading back up the pipes and into residents’ homes. A backwater valve prevents that water from flowing into (and then out of) your toilet.

4) Install a Sump Pump

A sump pump can help with flooding and heavy rainfall by pumping excess water out of your basement as it accumulates. Be aware that sump pumps may only last as long as 3 to 5 years and will need to be regularly replaced. However, they can save you thousands in basement water damage.

These home renovations aren’t necessarily small jobs, but they can reduce the odds that you will ever have to make a home insurance claim. Plan ahead and protect your home.