MONDAY, OCTOBER 13, 2014
Residential 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.
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