Water Plus
What is Water Plus Coverage?
Previously, most home insurance policies did not include coverage for flood. Because of changes in our climate and the impact on our environment we have seen an elevated number of water-related claims. Statistics show that water is now the number one threat to your home, and because of increased incidences of severe weather even homes that are not situated on flood plains are susceptible to flooding and water damage. In response, we have developed Water Plus - a comprehensive product that covers freshwater flooding, sewer backup and mitigation, and any seepage that occurs as a result of flooding.
Water Plus Coverage can be added to all Homeowners, Condominium, Tenant (Comprehensive and Broad Forms) and Rented Dwelling Packages (Comprehensive Form only).
What's covered?
⪧ Flooding as the result of rising, breaking out or overflow of any inland body of water or watercourse (natural OR manmade)
⪧ Sudden and accidental entrance of surface water that enters your home or detached private structures
⪧ Additional Living Expense should you need to live elsewhere while damages are being repaired
⪧ Sewer backup
⪧ Sewer backup mitigation - following an insured sewer backup loss, we provide up to $1,000 for the installation of a normally open backwater valve installed on the main line or a sump pump with a back-up power supply
What's NOT covered?
⪧ Flooding as a result of any tidal body of water or watercourse, tsunami, seiche, storm surge, waves or tidal waves
⪧ Shoreline ice-build up or waterbourne ice or other objects unless another cause of loss insured occurs at the same time and contributes to this loss or damage
⪧ Continuous or repeated seepage or leakage of water
⪧ Ground water or rising of the water table unless another cause of loss insured occurs at the same time and contributes to this loss or damage
⪧ Loss or damage occurring while your property is vacant or under construction, unless we have given permission for construction or vacancy
⪧ Loss or damage from the intentional breach of any dam or levee built to control any natural or man-made watercourse or body of water
⪧ Subject to terms, conditions and exclusions of the policy
With the introduction of our Water Plus product, we have revised our sewer backup coverage. We now have sewer backup coverage included in Water Plus, and also as a stand-alone product - Limited Sewer Backup.
Limited Sewer Backup
What's covered?
You are protected against any direct physical loss or damage caused by the sudden and accidental backing up or escape of water or sewage within your home or any detached private structure through a:
⪧ Sewer on your premises
⪧ Septic system on your premises
⪧ Sump located within your dwelling or detached private structure
⪧ Drain located within or on your dwelling or detached private structure on your premises
⪧ Sewer backup mitigation - following an insured sewer backup loss, we provide up to $1,000 for the installation of a normally open backwater valve installed on the main line or a sump pump with a backup power supply
What's NOT covered?
We do not insure loss or damage:
⪧ If flood water enters the dwelling and contributes to the loss or damage
⪧ If surface waters enter your dwelling or detached private stuctures on your premises and contribute to the loss or damage
⪧ Caused by ground water or rising of the water table
⪧ Occurring while the dwelling is under construction or vacant unless we have given permission for construction or vacancy
⪧ Subject to terms, conditions and exclusions of the policy
Water Damage Prevention Checklist
Brochure
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