Flood insurance endorsements and types of water damage coverage
A flood can be caused by a variety of things, not just a busted pipe. When it rains a lot, the city's main drains can back up and flood your basement. Rivers and ponds that are overflowing may cause a surge of groundwater to seep into your property. Heavy snowmelt can do significant damage to your foundation. Here are some flood insurance choices to examine in your specific scenario.
Add-ons to your house insurance policy for flood insurance:
A sewer backlog happens when a clog occurs in the main sewage system, causing wastewater to run backward and possibly into your home. Broken pipes, tree roots, or too much rainwater or thawing snow entering the system can all produce a mainline sewer obstruction.
Overland water coverage
When floodwater covers the ordinarily dry ground, it is called an inland flood. You might assume the only hazard is if you live near a pond, lake, river, or stream, but heavy rain and melting snow around your house are the most prevalent causes.
Coastal (or storm surge) flood
If you reside near the water on the east or west coast, be aware that you are in danger because most comprehensive home insurance policies do not cover flooding. According to a recent survey conducted by Partners for Action, 94% of Canadians living in high-risk flood zones are ignorant of their vulnerability. Furthermore, only around a third of those polled are taking any steps to protect their property from flooding.