40 FOCUS - JULY 2017 With the increasing frequency of severe storms there has been substantial concern around weather related insurance coverage. What is covered and what is not covered? Most homes today have basements that have been transformed into living areas.As a result, in most cases, there is a signiﬁcant investment for the homeowner to protect. It is important to differentiate between types of water related insurance coverage..... 1) Sewer Backup: Most home insurance policies will provide coverage for water backing up in your basement through the drains connected to the sewer line. Be aware that there may be limitations as to the amount of coverage provided and the various deductibles associated with a sewer back up claim. Sewer back up also includes the backing up of a septic system and sump pump malfunction. 2) Floods: Floods typically include water that has risen over dry land by rising lakes and rivers, storms, waves, and the breaking or overﬂow of levees from any body of water, whether man made or not. Residential insurance policies do not cover ﬂood damage. If you live beside a lake or river you have to be aware that there is no coverage for ﬂooding. As an example: every year in Manitoba, the Red River ﬂoods and there is no coverage to residential homes that are damaged. 3) Overland Water: This is the newest form of coverage that is becoming available today. The overland water coverage now addresses some of the previously excluded ﬂood damage that may have occurred from a torrential storm. It covers the water that comes in through the doors and windows into your basement as a result of a large storm. Purchasing an “Overland Water Rider” on your policy, would mean, for example, that the ﬂooded basements that resulted from the torrential storms in Toronto last year, would now be covered. It will also cover the ﬂooding of lakes and rivers that occurs after a torrential rainfall. These are also subject to various deductibles and conditions. The best way to see if you are properly protected is to call your Taylor Forder Insurance broker. Ask them about the new Overland Water Coverage so they can address each situation individually to protect you best. OVERLAND WATER DAMAGE INSURANCE IS NOW AVAILABLE!! I N S U R A N C E Your protection is our policy 169 North St., Port Perry • 905-985-8416 • www.taylorforder.com • Experience and knowledge of all makes and models • Tire sales and installation 1511 Reach Rd, Unit 2, Port Perry For appointments call: 905-985-9292 HOURS: Monday - Friday, 8 am to 5 pm QUality PaRts FaiR PRiCiNG QUality sERViCE MaRK WillEs Automotive Mark & LeahannWilles Come in and ask us about our “NatioNWidE WaRRaNty” for worry free driving. We offer tire warranty for road hazard coverage, and our complimentary roadside assistance including towing, lockout, flat tire, battery jumpstart, and empty tanks.