You should not assume that the standard homeowners’ insurance will cover Toronto sewer backup in Canada. You should start by talking with your insurance provider to know if there are extra endorsements that protect your home against flood damage.
You might need professional sewer backup Toronto services in Canada if sewage and stormwater get blocked from reaching their exit points in your home. Apart from the stormwater and sewage water being toxic, damages to possessions and homes are likely to come with floods. Whether the sewer backup was caused by drains getting clogged or tree roots breaking through the pipes, this issue isn’t a joke and needs to be dealt with immediately. It comes down to a matter of safety. It is therefore important to undertake all precautions.
Apart from your safety, damage repairs on the sewer backup are not cheap. In some cases, your insurance won’t cover for any repairs leaving you with all the expenses. To help prepare you, this guide to sewer backup will provide you with the necessary information.
Damage might not be covered by your insurance
It is common for homeowner’s insurance not to cover damages caused by floods. The best solution to this problem is to be prepared with flood insurance or extension on your current policies. You need to start by determining if you need extra services by finding out if your insurance covers flooding damages. Your standard home insurance coverage may cover water damage but it is not guaranteed by any stretch. You will have to either add an endorsement to your current policy or look for a different insurance provider. However, that will depend on the type of structure you are getting your insurance for and its location.
You should not assume that the standard homeowners’ insurance will cover Toronto sewer backup in Canada. You should start by talking with your insurance provider to know if there are extra endorsements that protect your home against flood damages. If you do not have direct flood insurance, consider having it. Contact your insurance company to see if there are additional policies for damages caused by floods you can tack onto your current policy.
Causes of sewer backup
There are numerous things that can cause a sewer backup. Nature seems to be determined to mess up your sewer lines. Have a look at some of the most common causes of sewer backup.
Shifting earth
If you live in an area that receives movement under the surface or shifting, damaged sewer pipes will happen to you from time to time. Sewer lines can collapse or break with the fluctuation of the earth. If there is any dirt underneath the pipes, a lack of support from beneath can cause your sewer lines to collapse. Old homes with old forms of piping are at a greater risk because their pipes are brittle.
Tree roots
Large hearty trees, oak trees can cause sewer backup Toronto in Canada. Nature is not very kind on your sewer lines. Roots can crack or burst your pipes. Older clay pipes allow tree roots to cling to their porous surfaces and wind around them and crack them with immense strength. Growing tree roots are likely to hit your pipes as they look for water. It may be difficult to determine if the tree roots are the problem when standing on the surface. If there are cracks in your pipes, you will be able to smell sewage gas.
