As your home insurance broker, helping you protect your home is our top priority. Water-related damages have become the number one threat to homeowners in Canada. The continued rise of water-related claims makes it important that we ensure our clients have the coverage they need to protect themselves against water damage. That's why we advise our clients to consider Intact Insurance's Enhanced Water Damage Package.
The Enhanced Water Damage Package protects customers with an added level of protection and choice against water-related claims. Rates and eligibility will vary by territory.
SEWER BACK-UP: Coverage in the event water accidentally backs up from the sewer system
and flows into your home. This coverage also includes $1,000 towards the installation of a sewer back-up loss prevention device after a covered loss.
WATER & SEWER LINES: Coverage to repair or replace your water service line and/or
sewer line due to a loss resulting from a leak, break, tear, rupture or collapse of the line.
OVERLAND WATER: Coverage for water damage caused by lake/river, overflow,
heavy rain or rapid snow melt that enters your home from a point at or above ground
surface.
GROUND WATER: Optional coverage available for purchase against damage
caused by water entering your home suddenly and accidentally, through a basement
wall, foundation, or floor.
Intact has also released a seasonal checklist to reduce the risk of basement flooding. With these simple actions, you can significantly reduce the risk of flooding and better protect your home against the growing threat of water damage, especially prior to spring. Melting snow is among the largest causes of flooding in Canada, as well as torrential rain. Make sure to go through this list with your household before peak flooding season.
In addition, take a look at Intact's 3 major steps for basement flood prevention. For items found under Step 3, make sure to ask your municipality about any permit requirements for these upgrades, as well as the availability of flood protection subsidies.
For more information on Intact's Enhanced Water Damage Package, your current coverages, or more advice on flood prevention, give us a call at 1-888-950-6769 to speak with one of our experts!