Water Damage Coverage Frequently Asked Questions

(for Ontario, New Brunswick, Nova Scotia, and Alberta residents)

 

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How does the Enhanced Water Damage Endorsement cover your home for overland water damage?

It covers damage to your home due to water that accumulates upon or on submerged land which is usually dry. This includes:

• Unusual and rapid accumulation of rain or runoff water not caused by escape of water from a domestic water container or water main.
• The rising of, breaking out, or the overflow of any body of water or watercourse, whether natural or man-made (e.g. riverine flooding).

The Enhanced Water Damage coverage also covers 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 is the Enhanced Water Damage Coverage?

The Enhanced Water Damage Coverage is the latest evolution of Allstate’s Sewer Backup Coverage currently offered to our customers for purchase. It’s the most comprehensive level of water protection that Allstate offers which provides coverage for sewer backup, groundwater and overland water all in one endorsement.

 

How is it different from other water damage coverage offered by other insurance companies?

What’s unique about Allstate’s coverage is that it provides homeowners, condominium owners, and rental property tenants, better protection for service lines. Allstate doesn’t just cover the repair or replacement of water and sewer lines as other companies do. We cover expenses (up to $10,000) related to the repair or replacement of damaged service lines. This includes water, sewer, gas, electricity, cable and phone lines.

In the event of sewer backup, the coverage also offers up to $1,000 towards the cost to purchase and install a certified back flow valve and/or sump pump with backup power.

 

What am I covered for with the Enhanced Water Damage Coverage?

• Damage caused by the escape of water from a sewer, drain, sump pit or septic pump.
• Water damage resulting from the malfunction of your sump pump.
• Unusual and rapid accumulation of rain that enters your home through basement windows, leaks in your basement floor or wall, or through your garage door.
• Overflow of water from a body of fresh water such as a river, stream, or lake.
• The unusual and rapid accumulation of ground or surface water which causes water to enter your home.
• Expenses you incur in the installation of a certified back flow valve and/or a sump pump with back-up power supply after a covered loss.
• Damage to your service line(s) that are a direct result of a service line failure.

 

What’s not covered under the Enhanced Water Damage Coverage?

• Damage due to tides, tidal waves, storm surge, tsunamis, and other types of coastal flooding.
• Leaking and/or continuous seepage through your roof, walls or foundation caused by wear and tear or ill repair.
• Accidental or intentional breach of a dam or levee.

 

What am I covered for with the Limited Sewer Backup Endorsement?

• Damage caused by the escape of water from a sewer, drain, sump pit, or septic tank on your property.
• Water damage resulting from the malfunction of your septic pump.
• Coverage up to $1,000 if the customer installs a certified back flow valve and/or sump pump with backup power.

 

What’s not covered by the Limited Sewer Backup Insurance?

• Damage due to tides, tidal waves, storm surge, tsunamis, and other types of coastal flooding.
• Leaking and/or continuous seepage through your roof, walls or foundation caused by wear and tear or ill repair.
• Accidental or intentional breach of a dam or levee.

 

How do I purchase either of these coverages?

You can contact your local Allstate agent.

 

What if I have more questions?

For general inquiries, contact your local Allstate agent, call us at 1-800-ALLSTATE 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 Twitter @allstatecanada!

 

Find a local Allstate agent.

 

Legal

This document pertains to coverage options in Ontario, New Brunswick, Nova Scotia, and Alberta and additional premiums may apply. It does not include all of conditions and exclusions which apply to the coverage described and it is for informational purposes only. If you are an Allstate customer, the terms of your policy and the described endorsements, if added to your policy, govern. Please review your insurance policy and any of the endorsements in detail and contact your local agent or call 1-800-ALLSTATE if you have any questions.