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Albertans aren’t keen on asking for handouts: We look after each other, and we pull ourselves up by our bootstraps. Calgarians banded together and set about rebuilding, and only a handful of homeowners were offered buyouts. For many, there was not nearly enough, if any, insurance coverage; disaster relief paid pennies to the dollar. Everything people have worked for is often tied up in their home—it is an investment, your shelter, your community and your heart. It’s been four years since that huge flood, but people here are still, in a way, in recovery mode. At CRCAG we set about learning more about our flood risk, insurance (or lack thereof), disaster recovery programs and what could be done to prevent flooding. We didn’t want to repeat the cycle of flood, repair, repeat. We want to make sure people are safe in their homes and protected from flooding where possible, or treated fairly if it isn’t possible and are not blamed for flooding events. The risks were greater than what we had been led to believe. The insurance coverage available was minimal or prohibitively expensive—insurance is a business, and overland flood insurance was not even available to homeowners when the 2013 flood happened. When it was available, it was for commercial policies, not residential. That has changed, but companies are now offering residents coverage at tens of thousands of dollars a year.
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