Overland water vs sewer backup: what Cambridge homeowners should check
Water damage is one of the most common home insurance claims. The difference between overland water, sewer backup and other water coverage, and what to check on your policy.
By Monteiro Insurance Brokers. . 5 minute read.
Cambridge knows water. On May 17, 1974, the Grand River overflowed into downtown Galt, and some streets were under as much as six feet of water. Berms, dredging and other river work since then have changed the picture, but water damage is still one of the most common reasons people make a home insurance claim.
The catch is that “water damage” is not one coverage. It is several, and many policies only include some of them unless you add the rest.
The types of water coverage
- Sudden and accidental water damage. A burst pipe or a failed water heater inside your home. Most standard policies include this.
- Sewer backup. Water or sewage that comes up through floor drains, toilets or sinks because the municipal sewer or your drain line backs up. Often an optional add-on.
- Overland water. Water that enters from the outside at ground level, for example when heavy rain or a river overflows and comes in through doors or windows. Often a separate optional add-on.
- Service lines. Damage to the water, sewer and utility lines that run from the street to your home. Usually optional.
- Ground water seepage. Water slowly coming through foundation walls or floors. This is commonly excluded, so ask how your policy treats it.
What to check on your policy
- Do you have sewer backup coverage, and what is the limit?
- Do you have overland water coverage? Some insurers limit it in high-risk areas.
- Is there a separate, higher deductible for water claims?
- Is your finished basement insured for what it would cost to redo today?
Ways to lower your risk
- Install a backwater valve and keep it maintained
- Have a sump pump with a battery backup if your home has a sump
- Keep downspouts extended away from the foundation and the yard graded away from the house
- Store valuables and documents off the basement floor
Some insurers recognize these steps, so tell your broker when you make them.
Not sure what your policy includes? Call us at 519-623-7031 and we will tell you exactly which water coverages you have.
Sources
This article is general information about insurance in Ontario and is not advice for your specific situation. Your coverage depends on your policy wording.