Flooded HomeResidential overland flooding that damages buildings is not covered by insurance. Sewer backup is covered, provided you have the optional coverage on your home insurance policy.

This is SGI's definition of sewer back up and flooding.
  • Sewer backup is when water enters a home through a drain connected to a public or private sewer system. The water will typically be gray or brown in colour.
  • Flooding is when surface water comes into a home but does not enter through a plumbing or sewer system. Water is typically clear in colour and may come in through a window well or seep in through the wall or floor.
If a state of emergency is declared in your area and you are applying for provincial disaster assistance, it may be necessary to file a claim even if the damage was caused by flooding. Some provincial disaster assistance plans require proof that your claim was denied by your insurance company.

Once You File Your Claim

While waiting to see an adjuster, take steps to protect your property from further damage or loss, but only if it is safe to do so.

I suggest that you:
  • Clean up as soon as possible. Seek professional advice on how to clean up and take whatever reasonable steps you can to minimize further damage to your property.
  • Don't throw anything out. Store damaged items in a reasonably safe place so the adjuster can see them when he or she arrives.
  • Have any appliances (including furnaces) that have come in contact with water checked by a qualified electrician, dealer or serviceperson before you use them.
  • Do not touch any electrical systems or panels until you know it is safe to do so, especially in wet or damp conditions.
  • Move damaged belongings to a dry area with good ventilation.
Property owners should keep track of cleaning expenses as they may be covered through the insurance claim. I also encourage our clients to take photographs or video of their damaged property to give to their adjuster.

Protect yourself and your property. Call Heritage Insurance at (306) 693-7640 for more information on Moose Jaw home insurance.
Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011
  • 2010

View Mobile Version
Download our Mobile App Today
LinkedIn Facebook Twitter YouTube Google+
Heritage Insurance Ltd., Insurance Services Office, Moose Jaw, SK
Heritage Insurance Ltd
© Copyright. All rights reserved. Powered by Insurance Website Builder.