What is the difference between Sewer Back Up and Flood?

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February 21, 2014

What is the difference between Sewer Back Up and Flood?

A flood can be caused by an overflowing river or lake, spring run-off or melting snow.  Water that enters your home through leaks or seepage is also considered flooding.  Damage to your home is not covered when caused by flood.

Some types of water damage that “sudden and accidental” and is not caused by freezing, is covered under a Homeowners, Tenant or Condo policy.  Some examples are a burst water pipe, an overflowing dishwasher or plugged toilet.

The important words here are “sudden and accidental”.  Water which enters the home via leaks or cracks should be noticed early on.  This type of damage or seepage can be prevented through proper maintenance and is considered to be the responsibility of the homeowner.

Sewer back-up happens when the drainage system is overloaded with water.  A “back-up” into your home can occur when the water rises above the basement drains.  Sewer back-up can introduce sewage waste into the home, resulting in extensive damage, but also health risks from resultant harmful bacteria and mould.

Sewer back-up coverage is available in most areas, to help cover losses and damage caused by the accidental escape of water from a sewer, drain, sump septic tank, eaves or downspout.  Call us at 204-452-4913 or check our website www.pembinainsurance.com for more information.