Nearly one in three Canadians don’t know what water coverage they have or need. This means that, with water damage on the rise, many Canadians have been finding out—too late—that flooding is not covered by Personal Insurance policies.
SEWER BACKUP AND OTHER FLOODING — WHAT’S THE DIFFERENCE?
Sewer backup (water that backs up into the home from a sewer line) is a common option for coverage with most insurance policies, but an exterior flood—from a storm or overflowing eaves, downspouts or drains—that flows into the house is generally not covered. That’s why RSA developed Waterproof Coverage.™ With Waterproof, they’ve taken the guesswork out of flood coverage by offering you the choice of one affordable coverage that’s clear and easy to understand.
CHOOSE WATERPROOF COVERAGE™ OR A SEPARATE SEWER BACKUP ENDORSEMENT
We know that one of your priorities is to get the best coverage available, while keeping your premium costs low. That’s why RSA offers you the choice of two options:
Waterproof Coverage™ offers enhanced protection against damage caused by storm activity and flooding, eaves, downspouts, drains and sewer backup. Most home policies do not cover such damage. If you qualify for this coverage, RSA will not distinguish between whether the damage was caused by sewer backup or flooding, including water from eaves, downspouts or drains. You have the confidence of knowing you’re covered.
Sewer Backup Coverage Only
They’ve also maintained a limited version of their sewer backup coverage, for homeowners who want to keep their premiums as low as possible. With this coverage, only damage caused by sewer backup, septic or sump losses are covered.
WHAT’S NOT COVERED?
Waterproof Coverage™ does not protect you from floods related to saltwater, tsunami, dam breaks or a coastal flood.
IF YOU NEED TO MAKE A CLAIM
As a policyholder with RSA Insurance, you always enjoy access to RSA’s superior service—including HassleFree Claims®, flexible payment plans and a support program in the unfortunate event of a loss.
MORE RESOURCES FROM STEERS INSURANCE AND RSA
We believe that risk prevention and insurance go hand-in-hand, and we are committed to supporting you in taking proactive steps to help prevent water-related damage to your home. Please visit the RSA Climate Smart web page at rsagroup.ca/water for more information on preventing water damage.
We’ve compiled a list of some of the most common questions and answers about Waterproof Coverage. If you’d like more information, have another question, or would like a quote, fill out the form below, Find Your Local Steers Office or Contact Us today!