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Frequently Asked Questions on Property Insurance







What is a Sewer Backup?

Municipal waterworks can handle normal, or slightly above normal, water flow. However, sewers can back up following heavy precipitation, melting snow, a sudden thaw, a rise in the water table, or other unexpected weather conditions.

Fortunately, you can minimize the risk to your house or apartment by following these loss prevention tips:

Install a Backwater Valve

A backwater valve that complies with your municipality’s standards and bylaws will prevent sewage from backing up into your basement. The valve closes automatically if the sewer backs up.

Maintain Your Backwater Valve

Proper care of your plumbing system will significantly reduce the risk of sewer backup.

And of course, in the event of a loss, one of our claims advisors can help you deal with the emergency and start the claims process.

To learn more about prevention, read Tips on Preventing Home Insurance Claims.








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