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4 Things To Know About Sewer Backup Insurance In Canada

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Sewer backup can occur anytime and it is best to stay prepared with an insurance. Read this blog to find more about sewer backup insurance in canada.

Sewage backup insurance

Source: Freepik

Luke and Wade had just moved into their new home. As they were moving, a huge rainstorm struck. Their house had a basement, and they were worried that rainwater would clog the sewer system. Before starting, they carried the home inspection, but it happened.

Rainwater from the drainpipes will not gush away from the house. And rainfall caused the drainage system to overflow. It will cause the water to push back through the pipelines.

Fortunately, the damage was not that extensive, and the sewer backup insurance helped them cover up the repair expenses.

Sewer backup insurance relieves owners of the fear that their homes might get damaged. Here is how sewer backup insurance can help homeowners.

1. What is sewer backup? 

Sewer backup happens when the municipal drainage system spillover and sewage water flows back to homes via pipelines. There could be many causes, such as torrential downpours, thawing snow, or flooding. The water can enter through the septic tank, sewage pipes, or storm drains if it rushes back. Ensure you choose a house on elevated grounds and avoid low-lying areas.

2. How does sewer backup take place?

Here are the five most frequent causes of sewer backup.

  1. Severe rainfall and melting snow caused water to overflow.
  2. Toilet and basement drain and sewage sinks, getting clogged.
  3. Old tree roots cause blockage of pipelines.
  4. The sump pump has failed to function.
  5. Sewer lines that are too old and need replacement or repair, allowing the soil to leak in and cause a blockage.
What is sewer backup insurance
Source: Freepik

3. How to prevent sewer backup?

Here are six practical ways to prevent sewer blockages.

  1. Avoid throwing things down the drain that could cause blockages.
  2. Ensure you direct the rainwater away from your property and not towards it. 
  3. Ensure your home is not in a low-lying region.
  4. You should install backflow prevention valves to protect your home’s plumbing system from bursting.
  5. Ensure there is no debris obstructing the pipes in the troughs.
  6. Install a sump pump and ensure you maintain it on a regular schedule.

4. How to buy sewage backup insurance?

If your home has a basement, water and sewage could back up into it. Also, if you live in a flood-prone or low-lying area, sewage backlog in your property can happen. So, depending on the location of your house, you decide to add a sewer backup rider as part of your house insurance policy.

Several things could cause your insurance premiums to rise and strain your finances. To learn more about aspects that may affect your life premium costs in Canada, see “Factors That Can Affect Life Insurance Premiums in Canada.”

References:
http://www.ibc.ca/pe/home/types-of-coverage/optional-coverage/sewer-backflow-prevention
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