• Skip to primary navigation
  • Skip to main content

RegalRegal

Any Questions?
1 (800) 516-6276
  • Personal Insurance
    • Personal Insurance
    • Auto Insurance
      • Auto Insurance
      • Car Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV & Motorhome
      • Supplemental Auto Insurance
    • Property Insurance
      • Property Insurance
      • Airbnb Insurance
      • Condo Insurance
      • Home Insurance
      • Landlord Insurance
      • Seasonal Insurance
      • Supplemental Property Insurance
      • Tenant Insurance
    • Life Insurance
      • Life Insurance
      • Term Life Insurance
      • Universal Life Insurance
      • Whole Life Insurance
    • Travel Insurance
      • Travel Insurance
      • Backpacker Travel Insurance
      • Snowbird Travel Insurance
      • Student Travel Insurance
      • Visitors to Canada
    • Other Insurance
      • Boat Insurance
      • High-Risk Insurance
      • Identity Theft Insurance
  • Business Insurance
    • Business Insurance
    • By Industry
    • By Product
    • By Industry
      • Agriculture Insurance
      • Automotive Sales & Service Insurance
      • Contractors Insurance
      • Farm Insurance
      • Home Business Insurance
      • Hospitality Insurance
    • Additional Industries
      • Medical Insurance
      • Professional Insurance
      • Real Estate Insurance
      • Retail Business Insurance
      • Small Business Insurance
      • Wholesaler & Manufacturer’s Insurance
    • Commercial Liability
      • Commercial General Liability Insurance
      • Cyber Liability Insurance
      • Product Liability Insurance
      • Professional Liability Insurance
    • Additional Coverages
      • Business Contents Insurance
      • Business Interruption Insurance
      • Commercial Auto Insurance
      • Commercial Property Insurance
      • Equipment Breakdown Insurance
      • Surety Bond Insurance
  • About Us
    • About Us
    • Our Company
      • Our Family
      • Our Team
      • Who We Represent
      • Why An Independent Broker
    • Our Family
    • Our Team
    • Who We Represent
    • Why An Independent Broker
  • Tools & Resources
    • Tools & Resources
      • Auto Coverage Options
      • Property Coverage Options
      • Frequently Asked Questions
    • Help Center
      • Auto Insurance 101
      • Home Insurance 101
      • Business Insurance 101
  • Manage Your Policy
  • Get A Quote

The Difference Between Flood and Sewer Back-up

December 5, 2015 by Regal Insurance

What’s the distinction between Flood and Sewer Back-up?

A flood can be caused by spring run-off, melting snow, an overflowing river, lake or stream, or even a swimming pool. Excessive groundwater build-up that enters your home via leaks or seepage is also considered flooding. Whether aided by wind or an Act of God, damage to your home caused by a flood is not covered.

Most homeowners’ policies will cover other types of water damage provided the cause is “sudden and accidental” and is not caused by freezing. This could include the sudden failure of a heating or air conditioning system, an overflowing washing machine, a blocked toilet, accidental sprinkler going off or a burst water pipe.

The key words are ‘sudden’ and ‘accidental’
Water entering the home through leaks, cracks and seepage are considered to be the responsibility of the owner and should be prevented through routine home maintenance.

Sewer back-ups occur when massive volumes of water overload a drainage system. Once the wastewater rises above your basement drains, a back-flow into your home results. Sewer back-ups can introduce black mould, harmful bacteria and sewage waste into your home, creating health risks and extensive damage.

5 steps to prevent or limit water damage to your home

  • If your area is susceptible to sewer back-up, make sure your home has a back-flow valve and plugs for drains, toilets and other sewer connectors installed.
  • If you don’t have a sump pump, install one. If you do have a sump pump, test it to make sure it is working.
  • Store items in plastic containers or on shelving at least 12” off the basement floor.
  • Keep eavestroughs and downspouts clear of debris and make sure water flow is directed away from the foundation.
  • Finally, as simple as it sounds, make sure your lot is properly graded to direct run-off away from the foundation and entranceways.

Depending on where your home is located, sewer back-up insurance may be available to help cover losses or damage caused by water that has accidentally escaped from a sewer, drain, storm drain, sump, septic tank, eaves trough or downspout. Call us to find out more.

Copyright: Staying in Touch 2010 – Volume Twenty, Number One

Download PDF

Get Your Insurance Quote Today.

Competitive rates for optimal coverage.

    * Required FieldsThis site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    Call Us With Your Questions 1-800-516-6276
    • Personal
    • Business
    • About Us
    • Manage Your Policy
    • Help Center
    • Testimonials
    • Privacy
    • Sitemap
    • Careers
    Service Areas:
    • Ancaster
    • Brantford
    • Burlington
    • Cambridge
    • Fergus
    • Georgetown
    • Guelph
    • Hamilton
    • Kitchener
    • London
    • Milton
    • Mount Brydges
    • Oakville
    • Sarnia
    • St. Thomas
    • Stratford
    • Strathroy
    • Waterloo
    • Woodstock
    Main Office: 2-428 Gage Ave,
    Kitchener, ON
    N2M 5C9
    Stay Connected
    Are You Paying Too Much for Insurance?

    No obligation, just great information!




      * Required FieldsThis site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

      Copyright © 2023 · Regal Theme on Genesis Framework · WordPress · Log in