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Weather patterns have changed in recent years, with increased precipitation, fast and heavy spring thaws, and damage from storms—freshwater flooding is occurring everywhere across the country.
Mutual Fire Insurance now offers protection for overland water and flood in addition to sewer back-up coverage. Qualifying policyholders can enhance a home insurance policy and protect against damage from torrential rainfall, spring thaw, and other freshwater flooding.
Sewer Back-up provides coverage for sewer back-up
Overland Water offers coverage for flood, overland water, and sewer back-up
Both coverages include:
Overland water is generally described as rapidly accumulating fresh water from a rainfall or snowmelt.
Sewer back-up is water or sewage overflowing into your home from your sewer, septic system or sump pit.
Yes, some perils are not covered such as saltwater, waves or tsunamis, seepage, back-up from any public sewer, and ground water.
Your insurance broker can tell you if your home qualifies for Overland Water coverage. At this time, coverage is only offered to homeowners in British Columbia in select postal codes