Left Navigation Sewer Backup A flood of sewage into your basement is dangerous to your health and costly to repair. Installing a backflow prevention valve can help prevent flooding. If you live in a low-lying area, you may want to consider buying sewer backup insurance. Across the country, communities are experiencing more severe weather, especially intense rainfalls. Sudden downpours overburden sewers and stormwater infrastructure and lead to sewage backing up into homes. Canada’s costliest natural disaster ever was the June 2013 torrential rainfall that flooded towns in southern Alberta. Insured damage was more than $1.72 billion. In June and July of that same year, severe thunderstorms struck Quebec and Ontario and resulted in more than $1.2 billion in insured damages. Sewer Backup InsuranceThis coverage is useful in some low-lying areas, especially if your area has combined storm and sanitary sewers. You may also want to install a backflow prevention device or valve, if it is permitted by local codes.Before purchasing sewer backup insurance, you should consider: Your existing elevation relative to sea levelNeighbourhood density relative to the size of your sewer lineFrequency of severe weather in your neighbourhood and how often sewer backups have been reported.For more information about your coverage options, talk to your insurance representative. How a Backflow Prevention Device/Valve Helps Prevent FloodingA mainline backflow prevention valve can help prevent sewage in an overloaded main sewer line from backing up into your basement. Placed directly into the sewer lateral at the foot of your basement wall, the valve automatically closes if sewage backs up from the main sewer. Learn more about how to install a backflow prevention valve.IBC Helps Municipalities Forecast Sewer Backup After several years of research and development, IBC recently unveiled a new predictive tool for municipalities to help them pinpoint vulnerabilities in their sewer and stormwater infrastructure that could lead to sewer backup and basement flooding. Learn more about MRAT. All about home insuranceA house is often the single largest financial investment you can make. Without insurance, your most valuable asset is vulnerable to fire, theft and other disasters.Home Insurance Q&AQuestion to ask your insurance representative.Home Insurance - Is yours up to dateProtect your most valuable asset. Make sure your home insurance is up to date with the checklist and tips in this brochure. Related ServicesEarthquake InsuranceIn Canada, there are 4,000 recorded earthquakes each year, and earthquake damage is not be covered by a standard home insurance policy. In the next 50 years, there is a 30% chance of a significant earthquake in British Columbia.Jewellery, Furniture, ArtHigh-value items such as jewellery, furs, silverware, collectible stamps and coins are subject to a specific limit of insurance. You may want to consider purchasing separate coverage for objects that have a high replacement value. Useful LinksMRATExtreme weather events that used to happen every 40 years now occur every 6 years. IBC is piloting ground-breaking technology – a tool known as MRAT – to help communities reduce flooding caused by sewer backups. 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.