As severe flash flooding and severe water damage become a rising risk in Canada, coverage and broker talking points are evolving to address the intensity and frequency of extreme weather. Spring thaw is creating opportunities for drainage backups and property damage due to yo-yoing temperatures and unpredictable precipitation. According to Jim Mandeville, senior vice president, large loss at First Onsite Property Restoration, “insurance policies are evolving with changing climate concerns, which is something brokers should emphasize to clients who may be vulnerable.” Mandeville has years of experience working in the disaster relief sector, being on the front lines of restoration and mitigation projects across North America including Hurricane Sandy, the Slave Lake wildfires of 2011 and the Fort McMurray flooding of 2013, to name a few.