This policy gives you peace of mind, knowing your assets are protected against unforeseen flood-related incidents. Flood insurance is a unique type of insurance specifically designed to cover losses incurred due to flooding, a peril not typically covered by standard homeowners insurance. Welcome to Cogswell Insurance Agency, your reliable source for comprehensive insurance solutions in Montana! Whether you're a homeowner, landlord, or tenant, it's vital to secure your properties and possessions against potential flood damage. These risks impact the small percentage of Canadians who live in coastal areas and are typically not covered by most home insurance policies, nor by optional endorsement.Montana - Flood Insurance Understanding Flood Insurance Check with your insurance representative on cost and availability for your home.įlood damage due to storm surge or tidal waves. Even if you don’t live by a lake or river, your home could still experience flood damage from surface or ground water. Commonly, this coverage is combined with sewer backup coverage, which is also optional. Optional residential overland flood coverage is now offered by many insurers for the majority of homes across the country and is based on risk. Overland flooding, which occurs when bodies of fresh water, such as rivers or dams overflow onto dry land, is typically not covered by a standard policy. Optional sewer backup is offered by most insurers Optional coverage for water damage caused by roof ice damming may be availableĭamage caused by the backing up of sewers and drains is typically not covered by a standard policy. This is usually due to a problem with attic insulation. You’re away during the normal heating season, many insurers require plumbing to be drained or your home be checked regularly or daily to ensure that heat is maintained – check with your insurance representative to confirm the necessary intervals for checking the propertyįreezing-related damage that occurs despite these precautions, is typically covered by a home insurance policyĭamage arising from ice buildup on roofs and eaves is typically not covered by a standard policy. The following events are either not covered, covered in limited circumstances and/or require optional coverages:ĭamage arising from the freezing of indoor plumbing may not be covered if: Insurance is meant to cover sudden and accidental loss or damage. Water damage to the interior of your home caused by water entering through a roof leak – but the roof damage isn’t covered if it’s due to wear and tear or poor maintenance Water damage caused by the malfunction of appliances such as washing machines, or dishwashers washing machines is usually covered – but the cost to repair the appliance that caused the problem is not usually coveredĭamage related to the escape of water from a broken water main – whether it occurs on or outside your property Sudden or accidental water damage caused by indoor plumbing, heating or air conditioning A home insurance policy typically covers: If you have a swimming pool or hot tub, ask about options to insure it. Speak to your insurance representative to confirm the specifics of your policy. Know what’s covered and what’s not covered Keep any nearby city storm drains free of leaves and other debrisĬheck that sidewalks, patios, decks and driveways don’t shift over time and cause water to drain toward your houseĭisconnect downspouts that are connected to weeping tiles or french drainsĮnsure downspouts extend at least six feet from your basement wall and drain water away from your home and neighbouring properties Keep water out of window wells and snow away from the foundationĬlean and maintain downspouts and eavestroughs at least once a year Landscape with plants that resist soil erosion if possible, build up the ground around your house so that water will drain away from basement walls Install flood shields or barriers for basement windows and doors that extend above ground levelĮnsure proper lot grading. Reduce home water use during and immediately after heavy rainfalls Some insurers may also provide incentives for installing backwater valves and/or sump pumps Some municipalities may offer subsidies to offset the installation costĪlways follow legal requirements set by your municipality Install a backwater valve as recommended by your municipality Install a sump pump with a battery backup Use water-resistant building materials below ground level Raise large appliances, furnaces, hot water heaters, electrical panels and oil tanks above any anticipated flood levels Follow these precautions to protect your home from flood risks and water damage:Īvoid keeping valuable items in the basementĭon’t pour fats, oils and grease down your drains Indoors and outdoors, there are simple things you can do to help prevent water damage to your property.
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