March can be chilly; so, it’s easy to forget that the flood season is just around the corner.
Flooding plus sewer-related backup damage can be expensive for homeowners, business owners, municipalities, and more. In fact, water damage is one of the leading causes of insurance claims in Canada.
Many people assume that flooding or water damage will be covered by their insurance policies. However, this isn’t always the case. The good news is that some standard or optional coverages can be made available for the following:
Sewer Back-up: When water backs up and flows into your home from a municipal sewer system, a private septic system, or through sump pump failure.
Water and Sewer Line Damage: When you experience a leak, break, tear, rupture or collapse of a water and/or sewer line.
Overland Water Damage: When damage is incurred by the overflow of a lake or river, heavy rain, or rapid snowmelt, causing water to enter your home from a point at or above ground level. Availability of coverage may depend on whether or not you are in a flood prone area.
Ground Water: When water enters your home suddenly and accidentally through basement walls, foundations, or floors, causing damage.
Do you feel confident in your flooding and water damage coverage? With almost 30 years of insurance and risk management experience, Wiesner Insurance Muskoka is well equipped to review your policy at no cost to you, to ensure that it’s up to date. We’ll explain your policy to you in terms that you will clearly understand – and if you ever need to make a claim? We’ll be there.
With the flood season fast-approaching, be proactive and mitigate your risk by starting the conversation. Call: 705-990-0744 ext. 58 or 1-800-408-2877.
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After 28 years of insurance and safety experience, John’s risk management philosophy is to go beyond an insurance relationship and dedicate himself to ensuring that your coverage is up-to-date.
John is here to put together insurance packages that can cover all of your commercial interests, property and vehicles in the BEST possible format; and his obligation is to you.
In addition to being your broker, he can:
• give you advice about the top approaches to safety and health management.
• set you up with safety plans and other assets
• help you consider risks that don’t necessarily have to do with insurance
If you have any questions or concerns about your coverage, or if you would like help managing your risks, call John at 705-990-0744 X58
Professional credentials: Canadian Risk Manager (CRM) designation, RIBO Registered Insurance Broker (RIB), OACETT Certified Engineering Technician (CET).