Backwater Valve Sewage in a basement or on a ground floor is a mess. Installing a backwater valve can prevent sewers from backing up and may make you eligible for a rebate. Sewage Backups HappenSewer systems are typically gravity based and flow through to a wastewater treatment plant. When a sudden heavy rainstorm flushes debris into mainline storm sewers and sanitary sewers, sewers can backup into homes and businesses. When these two types of sewer systems are overwhelmed, sewage will back up. Tree roots or grease in a home's sewer lines can also lead to backups.How a Backwater Valve Helps Prevent FloodingA mainline backwater valve can help prevent sewage in an overloaded main sewer line from backing up into your basement. Placed directly into the sewer lateral in your basement , the valve automatically closes if sewage backs up from the main sewer.Before Installing a Backwater Valve and/or Sump PumpTalk to your municipal government to clarify any local permit requirements.Find out what type of equipment is recommended by your municipal government.Check that your foundation drain and eavestrough downspouts are not connected to the weeping tile and sanitary sewer. In the majority of cases, disconnection of a foundation drain will require installation of a sump pit and sump pump.Hire a licensed plumber to install a mainline backwater valve as well as to acquire the proper building permits. Your municipal government may have a list of pre-approved plumbers.When eavestroughs are disconnected from the sewer system, they should be drained onto your property in a way that does not direct water towards your neighbours. Contact a plumber and your municipal government for advice on how to properly disconnect downspouts and foundation drains.Not All Backwater Valves Are EqualSome types of backwater valves, such as the plug type, are not recommended. While they may prevent water from entering your basement, they allow sewer backup pressure to build beneath your basement floor. This can potentially cause structural damage to your home. Insurance and Backflow ValvesDepending on where you live and the prevalence of sewer flooding events, your insurer may require you to install a backflow valve. If you have suffered substantial sewer backup damage, the installation of a back water valve may be required to maintain insurance coverage. Some municipalities offer rebates to encourage installation of these preventive devices. For more information on how installing a backwater valve can help with your home insurance premiums, contact your insurance broker or agent. Source:Handbook for Reducing Basement Flooding, Institute for Catastrophic Loss Reduction Filing an Insurance ClaimSometimes life happens. If you’ve been in a collision or if your home has been burglarized or damaged in some way, you’ll want to get your life back to normal as quickly as possible.Personal Property InventoryDo you know how much your possessions are worth?Home Insurance: Is Yours Up to Date?Protect your most valuable asset. Make sure your home insurance is up to date with the checklist and tips in this brochure.Home Insurance – Q&AQuestion to ask your insurance representative.Water Damage Is on the Rise – Are You Protected?Canada’s increasingly severe weather means that basement flooding and water damage are becoming more common. Learn how to protect your home and your property. Related ServicesGradingThe area next to your foundation becomes susceptible to water damage as the soil slope degrades. Improving the grade or angle of slope on your property can help improve water drainage, as well as prevent flooding and associated damage.Rain BarrelsRain barrels can reduce water consumption by 27,000 litres per growing season. Installation is easy with IBC’s tips.Roof ProtectionYour roof plays an important role in protecting your home and its contents. Damage to a roof caused by hail or wind is usually covered under a home insurance policy. Hire a licensed roofing contractor for repairs, replacement and advice on appropriate roof materials.DownspoutsAcross Canada, many municipalities have mandatory, volunteer or rebate programs to encourage homeowners to disconnect their downspouts from the sewer system. Directing rainwater away from sewers has economic and environmental benefits. Here’s how to disconnect your downspouts.Oil Tank CareWithout proper insurance, if your oil tank spills or leaks you could be 100% responsible for cleanup costs – which average $250,000 to $500,000 but can be even more. As a property owner, you are responsible for the year-round maintenance of this potential environmental hazard. Useful LinksBuying Home InsuranceAs a homeowner, you need to insure your house for replacement costs so that in the event of serious damage or destruction you have adequate coverage. Be sure to keep your home insurance current by reporting material changes or upgrades.Home Inventory ApplicationA current inventory of your belongings makes it easier to file a claim. Keeping your records off-site is wise in case a fire or flood damages your property. Consider updating your home inventory each spring and advise your insurer of any major purchases.DisasterAm I covered? When can I start to rebuild? In the wake of a disaster, there are many questions to consider. ICLRThe Institute for Catastrophic Loss Reduction (ICLR) is a world-class centre for multi-disciplinary disaster prevention research and communications.