Sewer back up happens when the volume of water and sewage flowing into a sewer system exceeds its capacity. Other causes of sewer back up include:
- blocked sewer connections caused by tree roots
- collapsed sewer pipes
- improper use of the sewer system
The following actions can be taken to help prevent a sewer back up in your home:
- Keep sewer caps on all basement sewer outlets (including your floor drain, washer stack, sump hole, etc.) during rainstorms.
- Install a sump pump and discharge drainage onto your lawn or driveway.
- Install a sewer automatic backwater valve.
- Disconnect all rainwater downspouts from your basement sewer system and cap disconnected standpipes.
- Extend all rainwater downspouts away from the foundation of your home.
- Ensure the flow of surface water is directed away from the foundation of your home and the foundations of your neighbours' homes.
- Avoid using water during heavy downpours.
Additional prevention information can be found in the Protect your home from basement flooding brochure, which provides 20 flood reduction options to improve the safety of your home from the Institute for Catastrophic Loss Reduction.
Another preventative measure you can consider is a sump pump, which provides an effective means of pumping foundation drainage away from your home. The Institute for Catastrophic Loss Reduction provides valuable advice on what to consider when having a sump pump system installed or when replacing an old pump in their Focus on sump pump systems brochure.
If you have already suffered a sewer back up loss, you will need to have a professional install an accepted back flow device in order to be eligible for the broadest sewer back up coverage available from SGI CANADA.
Below are the approved devices to be eligible for the full range of sewer coverage benefits.
- Backwater valves - A device designed to stop wastewater from backing up into your basement.
- Sealing systems - A device that seals your sanitary and storm sewers automatically. For more information on the Aqua-Protec™ system, visit Inflotrolix Inc.
Note: Please advise your broker if you have a Mainline or Blokker backwater value or Aqua-Protec sealing system, as you may qualify for a discount on your Home Pak premium. Contact an SGI CANADA insurance broker for more information.
What to do if a sewer back up occurs
- During a rainstorm, check your basement frequently. If it begins to flood, move your belongings upstairs or to a dry area to keep them safe.
- Contact your broker as soon as possible and they will arrange for an adjuster to contact you.
- Don't throw anything out. Store damaged items in a reasonably safe place so the adjuster can see them when they arrive.
- Prepare an itemized account of all damaged items and their value. Include receipts or proof of purchase for larger items.
Cleaning up after a sewer back up
- Clean up as soon as possible. Seek professional advice on how to clean up and take whatever steps you can to minimize the extent of your loss.
- Don't touch electrical systems or panels until you know it is safe to do so, especially in wet or damp conditions.
- Move damaged belongings to a dry area with good ventilation.
- Dispose of anything that has been contaminated by sewer back up that might be a health hazard. Make a detailed list of everything and take several photographs, or make a videotape, to assist in the settlement of your claim.
- Have any appliances (including furnaces) that have come in contact with water checked by a qualified electrician, dealer or serviceman before you use them.
- Disinfect all articles that have come in contact with flood or sewer water.
- Let rooms dry thoroughly before cleaning and repainting.
- Use a stiff broom or brush to sweep dirt from rugs and carpets. Then clean using a good rug shampoo that contains a disinfectant.
- Remove drawers from furniture before the wood swells. Dry furniture slowly and away from direct heat or sunlight, to avoid warping.
- Move upholstered furniture outdoors to air. When dry, vacuum thoroughly and then use a good upholstery shampoo that contains a disinfectant.
- Dry all books and papers slowing, away from direct heat or sunlight.
- Wash clothing several times, adding a bleach or disinfectant to the wash cycle if the fabric permits.