From dealing with spring melt flooding to seemingly never-ending snowfalls, we Manitobans have a lot to do and know during the spring months. Did you know that not every type of water damage or flood is covered by home insurance? If you’re unsure how your home insurance protects you from water, no need to fret, we can help!
Welcome to Manitoba, where winter never seems to end. Here in Manitoba, communities and homes around rivers are often at risk of flooding each spring. But did you know that even if you don’t live on a river, your home could still be at risk of flooding? Learn about the different types of flood coverage, and if you could benefit from these additional insurance options.
You don’t need a sump pump to get home insurance, but if you want to increase the sewer backup coverage on your policy, then it may be required. If you have a sump pump installed in your home, you may be able to add sewer backup coverage to your home insurance policy. This extra protection covers damages if your sump pump fails.
Overland flooding can happen when there is too much water around your home due to poor drainage that seeps inside through windows or doors. You don’t need to live near a pond, lake, river or stream, to be in danger of overland flooding. In fact, one of the most common causes of overland flooding is from heavy rain and melting snow around your house.
Ground flooding is when water seeps into your home through foundation walls. If you let snow accumulate around your home, or don’t have a way to divert water away from your foundation, this groundwater can enter your home through the foundation.
Springtime in Manitoba can be a tricky territory, especially if you’re a first-time homebuyer or new to Canada. Did you know these types of flood coverage aren’t automatically included in all home insurance policies? If this is news to you, you’re in luck. From upkeeping your sump pump to ways to making your backyard look fabulous, we’ve put together the ultimate guide to Manitoba Spring to help you conquer the season. Check it out!
With flood insurance add-ons, like overland water coverage, ground water coverage, and sewer backup coverage, you can sit back, relax, and enjoy everything this beautiful season offers with complete peace of mind. Does your home insurance quote need a checkup? If you’re not sure what water damage coverage you have on your home insurance, visit our Manitoba home insurance experts and we’ll assess your coverage to ensure you have the coverage you need to protect your home and precious possessions for the year ahead.
