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Many homeowners mistakenly believe that apartments or homes on upper floors are safe from sewer backups. In reality, even upper-level units can be affected. When a main waste pipe becomes blocked or the municipal system is overwhelmed, contaminated water can flow back through the vertical stacks and appear in your sinks or toilets. A broken main pipe can cause significant damage to multiple units in a building.

Why review your home insurance coverage

Standard policies don’t always cover sewer backups, but most insurers offer optional endorsements at a low cost. These endorsements can protect you against:

  • Leaks and overflows from French drains or sewer lines
  • Ground or surface water infiltration, such as from snowmelt
  • River or stream flooding
  • Water infiltration through roofs, walls, doors, and windows

With aging infrastructure, climate events, and internal plumbing issues, water damage accounts for nearly half of all home insurance claims in Quebec, exceeding fire and theft claims.

Protect your home with the right endorsement

Your broker at J. Gérard Fortin & Associates Inc. can explain the available options and recommend coverage suited to your property. Affordable endorsements can save you from major losses and provide peace of mind.

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