Additional water damage coverage
Water damage is a leading threat to homeowners, condominium dwellers, and tenants of rental properties. There’s nothing simple about water damage. Water escaping from a sewer, drain, sump pump, retention tank, or holding pond can cause damage to your basement, house foundation, and property.
It’s important that you have the coverage you need in the event that water enters your home.
The base policy water coverage is included in every Allstate property insurance policy.
You can also choose additional coverage with Allstate’s water protection endorsements to ensure you have the right coverage to suit your needs (for qualifying customers):
• Above Ground Water
• Ground Water and Sewers
• Ground Water, Sewers and Overflow of Body of Water
Qualifying Allstate customers in Quebec can add Allstate’s Above Ground Water, Ground Water and Sewers and Overflow of Body of Water Endorsement to their property policy, which covers the following:
• Sudden water penetration through walls, roofs, doors and windows located above ground.
• Sudden and accidental leaking, backflow or overflow of the gutter, rainwater downspout or rain shaft.
• Damage caused by ground or surface water that enters or leaks into you building through basement floors, foundation, sidewalks, walls or other means.
• Water from dam breaks, the rising or overflow of a body of fresh water, whether natural or man-made.
• Sewer backup due to water overflow or sump pump malfunction.
• Water damage caused by water overflow from a sewer, drain, sump pump, retention tank, or holding pond.
If you would like to find out more about our Above Ground Water, Ground Water, Sewers and Overflow of Body of Water Endorsement or other options, contact a local Allstate agent or call 1-800-allstate ( (1-800-255-7828) now.
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Water damage FAQ – Quebec*
Ground water, sewers and overflow of body of water endorsement
How does the ground water, sewers and overflow of body of water endorsement cover overland water damage?
It covers damage to your home due to water that accumulates upon or submerges land which is usually dry. This includes:
• water originating from the rising or overflow of any stream of water or body of water, whether natural or man-made or from dam breaks.
• sewer backup damage resulting from overland water where there is evidence that overland water entered the dwelling or detached private structure where the loss occurred.
What am i covered for with the ground and water, sewers and overflow of body of water endorsement?
• Damage caused by the escape of water from a sewer, drain, sump, retention tank, or holding pond.
• Sewer backup due to water overflow brought about by a malfunction of your sump pump.
• Ground or surface water that enters or leaks into the building through sidewalks, walls, basement floors, foundation, or other means.
• Water from the overflow of any stream of water or body of water, whether natural or man-made. Water overflow or from dam breaks.
What’s not covered by the ground water, sewers and overflow of body of water coverage?
• Loss or damage caused by tides, tidal waves, seiches, tsunamis, and other types of coastal flooding.
• Leaking and/or continuous seepage of water through roof, walls or foundations, caused by wear-and-tear or ill-repair.
How can i purchase these endorsements?
You can contact your local Allstate agent or 1-800-allstate (1-800-255-7828).
What if i have more questions?
For general inquiries, contact your local Allstate agent, call us at 1-800-allstate (1-800-255-7828) or contact us online – we’re here for you!
For more advice on how to protect your property, visit Allstate’s blog at goodhandsadvice.ca. Also follow us on Facebook and X @allstatecanada!
*Terms and Conditions apply, please contact your Allstate Agent for additional information, at all times the terms of your insurance policy will govern.
Legal
This page pertains only to home insurance coverage options available in Quebec which may have additional premiums associated with it. The Ground Water, Sewers and Overflow of Body of Water Endorsement is available to eligible customers in Quebec only, the page herein does not include all conditions and exclusions that apply to Allstate insurance policies and their coverage option(s). If you are an Allstate customer, the terms of your property insurance policy and any of its endorsements govern. Please review your policy and its endorsements in detail and contact your local agent or 1-800-ALLSTATE if you have any questions.
