Spring melt in Ontario: The risks to your property

Across Southern Ontario, warmer temperatures and rain are accelerating snowmelt. With heavy snow still on the ground and frozen or saturated soil limiting drainage, large volumes of water are being released in a short period of time—often flowing toward homes and buildings. Flood watches are already being issued, and conditions can change quickly. Even properties that haven’t experienced water issues before may be at risk during spring melt.

What puts properties at risk

Spring melt becomes a problem when water builds up faster than it can drain, which can result in:

• Water pooling near foundations
• Increased pressure on basements and lower levels
• A higher risk of seepage or sudden water entry

Acting early, before water has a chance to accumulate, is key.

Three simple steps that can make a difference

There are a few straightforward actions property owners can take now to reduce risk:

1. Shovel snow away from the foundation: Snow piled against a building melts directly toward the foundation. Clearing snow a few feet away helps direct meltwater away from the structure.
2. Check your sump pump: During heavy melt, sump pumps work overtime. Making sure your pump is operating properly before peak conditions arrive can help manage rising groundwater.
3. Ensure drains are clear and downspouts direct water away: Blocked drains and downspouts that discharge too close to the building can cause water to collect near the foundation. Clearing debris and directing water several feet away helps reduce the risk of water pooling and seepage during heavy melt.

If you have questions about spring melt or want to better understand how to protect your property from water damage, your insurance broker can help guide you.