Water Protection Coverage
and Sewer Back Up Coverage
Can you spot the difference?
Check out the differences between Water Protection Coverage and Sewer Back Up Coverage. Although each claim will have unique
circumstances and coverage will be determined at the time of the claim, these examples illustrate some anticipated common
situations.
Is there Coverage?
Claim Example
Sewer Back Up
Water Protection Coverage
1. A heavy rainstorm hits John Doe’s community and results in
his sewer line backing up. He is left with sewage water in his
basement.
Yes – as long as there is no
evidence of water entering
anywhere else in the basement.
Yes.
2. A heavy rainstorm hits John Doe’s community and results in water
entering his home through his window wells. He is left with water
in his basement.
No. Sewer Back Up Coverage
does not cover surface water loss
or damage.
Yes. The cause of loss is surface
water.
3. Cindy White lives near a river and it overflows into her neighbour’s
yard, but stays away from her property. However, she finds smelly
water in the corner of her basement originating from the shower
and it doesn’t appear water is coming from anywhere else.
Yes. The water solely entered
her home through her sewer line
which is covered by Sewer
Back Up Coverage.
Yes. Sewer back up is included
under Water Protection Coverage.
4. Cindy White lives near a river and it overflows into her neighbour’s
yard, but stays away from her property. However, she finds smelly
water in the corner of her basement originating from the shower
and also notices water on the opposite side of her basement. It is
coming in from a crack in the floor.
No. The water coming through
her floor is considered to be
ground water, which is excluded
under Sewer Back Up Coverage.
Yes. Water Protection Coverage
covers loss or damage from
ground water (that is tied to an
event) and sewer back up.
5. After a slightly higher than normal snowfall and a normal spring
melt, Bob Brown notices dampness in his man cave. He looks
closer and finds water coming through cracks in his basement
walls.
No. Sewer Back Up Coverage
does not include coverage for
ground water or for continuous or
repeated seepage or leakage.
No. The ground water entering
Bob’s home is not happening
at the same time as a flood or
surface water event; therefore
this damage would be excluded.
Water Protection Coverage and Sewer Back Up Coverage — Can you spot the difference?
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SGI CANADA and SGI CANADA Insurance Services Ltd. www.sgicanada.ca
Coachman Insurance Company www.coachmaninsurance.ca