As winter begins to fade and temperatures start to rise, many homeowners welcome the arrival of spring. But the transition from winter to warmer weather can also bring an increased risk of spring thaw flooding, especially here in New England where heavy snow accumulation and sudden temperature changes are common.

At Thorp & Trainer Insurance, we encourage homeowners to be aware of the risks that come with spring thaw and take a few simple steps to help protect their homes.

Why Spring Thaw Can Cause Flooding

Throughout the winter, snow builds up on roofs, yards, and surrounding areas. When temperatures rise quickly, that snow begins to melt rapidly. If the ground is still frozen, the melting water has nowhere to go and can pool around foundations or run toward lower areas near your home.

Spring flooding can also be made worse by:

• Heavy spring rainstorms
  
• Blocked storm drains or culverts
  
• Ice dams and clogged gutters
  
• Poor yard drainage
  

Even small amounts of standing water near a home can lead to basement leaks or foundation damage.

Steps Homeowners Can Take

While you can’t control the weather, there are several ways to reduce the risk of water damage during the spring thaw.

Keep gutters and downspouts clear.
Remove debris and make sure downspouts direct water several feet away from your foundation.

Check your sump pump.
If your home has a sump pump, test it before spring rains arrive to ensure it’s working properly.

Clear snow away from your foundation.
If large snowbanks are piled against your home, try to move them a few feet away to reduce melting water buildup.

Make sure nearby drains are clear.
Blocked street drains can cause water to pool and potentially make its way toward your property.

Review Your Insurance Coverage

It’s also important to understand what your homeowners insurance does—and does not—cover. Standard homeowners policies typically cover certain types of water damage, but flooding from rising groundwater or surface water often requires separate flood insurance coverage.

If you’re unsure about your coverage, the team at Thorp & Trainer Insurance is happy to help review your policy and answer any questions you may have.

Have questions about protecting your home this spring?
 Contact us today—we’re here to help you stay prepared for every season.