Why Including Overland Water is Essential

Posted in General, Home Insurance, Did you know?

Spring brings showers, which makes it the perfect time to inform you of overland water protection and why it is so important to include it in your homeowner’s insurance coverage.


What is overland water protection?

Why Including Overland Water is Essential, Youngs Insurance, OntarioThis coverage is the first of its kind in Canada and provides protection for loss or damages related to water entering your property from the sudden accumulation of water after heavy rains, spring run-off or overflow of lakes and rivers.  It is available for all property types where sewer back-up coverage is obtainable.

Sewer back-up coverage - Update

Please be advised that the wording of sewer back-up coverage has been updated to make it clear that it only covers damage caused by water coming into your property from a sewer, septic system or sump pump. 

What’s the difference between “overland water” and a “flood”?

“Overland water” is fresh water from rivers and lakes, or water suddenly accumulating from heavy rainfall or spring thaw (this is covered). “Flood” refers to coastal flooding from salt water, such as from tsunamis and tidal waves (this is not covered).

Why it is essential to include overland water protection in your coverage.

Each year we notice that our weather is changing and according to Environment Canada, our climate has gotten warmer and wetter over the past 60 years. Each year Canadians experience an extra 20 days of rain. Furthermore, the severe weather events that used to occur every 40 years can now be expected to occur every six years. Major floods represent nearly 40% of all natural disasters recorded in Canada.

“Damage from storms, spring thaw, and other freshwater flooding is happening everywhere. As the occurrence and severity of these major weather events increases, it has become more important than ever to ensure that you are protected against potential losses.” (Source: )

If you have any questions regarding overland water protection, don’t hesitate to contact your Youngs Insurance Broker today – we would be happy to discuss it with you.

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