We asked and you answered! There were a few of you who don’t know the difference between Sewer Back Up and Overland Water. Here’s what you need to know:
What is SBU? Sewer systems are typically gravity based and flow through to a wastewater treatment plant. When a sudden heavy rainstorm flushes debris into mainline storm sewers and sanitary sewers, sewers can backup into homes and businesses.
What is Overland Water? Water damage caused above ground such as; overflow of a lake or river, heavy rain, or rapid snow melt that enters your home from a point at or above ground level.
Canada’s costliest natural disaster ever was the June 2013 torrential rainfall that flooded towns in southern Alberta. Insured damage alone was more than $1.72 billion. Since then, insurers have introduced both Sewer Back Up and Overland Water as separate coverages on home insurance policies, with each company offering a different rate and limit for these perils. *If you haven’t reviewed your policy in the last year or two, it’s possible you don’t have both SBU and Overland Water coverage. Many insurance companies will exclude a claim involving both Sewer Back Up and Overland Water, unless both coverages have been purchased. As your broker, we do a comprehensive review of your policy and find the insurance best suited for your water coverage needs in your specific area.
Handy Tip:
Prevent sewer overflow in your basement by installing a backwater valve & sump pump; Many companies will offer a discount on your home insurance policy for having a backwater valve, or sump pump installed. Also, If you also have an alarm system installed, you may be able to add water monitoring to save premium dollars.

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