Over the past years stormy weather has continued to increase in frequency and severity throughout Canada. As a result, many insurance companies have deemed it necessary to adjust what, how and when coverage is provided, the policy premium rating and how claims are adjusted.
Many companies have created Water Protection or Water Defence coverage in the event of the following types of losses:
Sewer Backup - water or sewage backup, escape or overflow from the sewer line, sump or septic tank
SGI Water Protection - covers for loss caused by flood, surface water, the sudden and accidental entrance of ground water that results at the same time as a water event (backup of water, accidental discharge or escape or overflow of water or sewage including sewer backup)
Aviva Overland Water - covers for loss or damage caused by the unusual or rapid accumulation or run off of surface waters from any source including rainfall and the rising or breaking out of the overflow of any body of fresh water
Wawanesa Water Defence - covers loss or damage from water that accumulates on land which is usually dry, resulting from unusual or rapid accumulation or runoff of water or natural precipitation, not caused by escape from a "domestic water container" or " water main" and the rising of, breaking out or the overflow of any body of water or watercourse, whether natural or man-made (e.g.. river flooding), as well as sewer backup resulting from overland water where there is evidence that the overland water has entered the dwelling where the loss occurred.
**IMPORTANT** - the coverages indicated above may not include loss or damage due to water escape or rupture from a plumbing system. Please review your specific policy wording as these losses may be covered elsewhere and be subject to separate terms and conditions.
Q. How can this affect your policy?
A. Many companies have changed the way their sewer backup coverage will respond in the event of a loss if you do not also carry the water coverage. In most cases, where you were eligible to purchase water coverage but chose not to, the insurance company will deny your sewer backup claim if there is evidence that water was also entering the home from another location and from a different source.
Q. How do I know if I have coverage?
A. There are a couple ways you can check your coverage:
- Check your policy documents for the words "Water Protection Coverage", "Water Defence Coverage" or "Overland Water Coverage"; or
- Contact your broker either by phone or email
- If you are not sure of your brokers email, contact our general inquires email at email@example.com
Q. I don't see the coverage listed on my policy documents but would like to add it, what do I do?
A. If you would like to determine if you are eligible for water coverage or receive a quote to have this coverage added, please contact your broker. If you are unsure of your brokers contact information, please email our general inquiries at firstname.lastname@example.org
It is important to note that all policies contain conditions, limitations and exclusions. To review your policy wordings for further information please visit the Policy Information area of our website.