As one of our respected providers, Intact Insurance has recently developed a new enhanced water damage package endorsement for your Calgary-area home insurance. This comprehensive protection was designed to replace Intact’s current Water Escape/Backup Extension endorsement, and provides four extensive levels of protection, safeguarding you from virtually every type of flooding situation.
Get Sewer Backup Protection
Municipal drainage systems can get flooded often – especially in Alberta – and in such situations there’s a risk they could end up backed up into your basement. Impact’s new plan includes a clearer and more inclusive drain definition, as well as new forms of protection for sewer issues. Policy-holders can also qualify for up to $1,000 for the installation of a sump pump or other approved mitigation device after a covered loss on their home insurance.
Overland Water Coverage
Intact’s new plan includes automatic protection for overland water damage caused by flooding, or the overflow of a local river or lake. You’ll also be safeguarded from unexpected, accidental inflow of surface water, as well as sewer backups that coincide with overland flooding.
The Ground Water Coverage Option
Home insurance policy-holders also have the opportunity to purchase endorsements that protect them against water infiltration through your home’s foundation from underground water sources. These situations can necessitate very expensive repairs, but you won’t have to worry if you choose this add-on.
Water and Sewer Line Protection
As you likely know, homeowners are responsible for their property’s water and sewer lines. Intact’s new plan provides coverage of up to $10,000 for repairs or replacements to these lines, in the event of damage due to leaks, breakage, tears, ruptures, and collapses.
The updated Intact water damage package also includes variable coverage limits. If you need more protection or less protection, Intact gives you the flexibility to customize your insurance coverage to reflect your unique risk level.
Why Add Flood Insurance to My Home Insurance in Calgary?
You only need to think back to the spring of 2013 to see why it’s important for anyone living in Alberta’s flood zones to carry overland water insurance. While it wasn’t previously available, this type of coverage is now offered in most parts of the province, except in places that are at such a high risk of flooding that insurance companies can’t create packages with affordable premiums.
Assess your flood risk by visiting this map, which details the relative flood hazard levels throughout the province. If you’re living in a flood-prone area, it’s also a very good idea to install a sump pump and backflow valves. Many municipalities offer subsidies and grants to homeowners looking to add these protection and mitigation devices.
Tips for Avoiding Water Damage
Of course, the best way to deal with water damage is to prevent it altogether. To that end, it’s a smart idea to review proven tips for keeping water damage at bay. Common strategies include:
- Making sure rainwater is safely routed away from your home
- Maintaining your roofing
- Keeping your eaves and downspouts from clogging
- Installing a sump pump and back flow valve
- Ensuring your foundation is in good shape
- Regularly inspecting all drains, pipes, plumbing fixtures and appliances that use water to make sure they’re functioning properly
For more home safety and damage avoidance tips, visit our extensive collection of online resources.
Trust Lane’s Insurance for All Your Coverage Needs
Lane’s Insurance is a leading Alberta-based insurance brokerage. We are proud to partner with Intact Insurance and other progressive providers to ensure our clients have access to the most complete and up-to-date insurance products available anywhere in the province.
As a brokerage, we work for you, not the providers. When you choose Lane’s Insurance, you’re opting for a proven company with an excellent track record for customer satisfaction. Lane’s also offers outstanding claims support and expert advice that ensures all your insurance needs are met. We carry everything from home insurance to coverage for your vehicles, business, farm, rental properties, and much more. We’re also pleased to offer discounts of up to 20 percent to customers who bundle their auto and home insurance together.
Get started today! Visit Lane’s Insurance online to get a fast, free quote on your home insurance.
