If you have any questions or concerns outside of the content available on this site, the Frequently Asked Questions below can help. If you have a question that has not been covered on this page, please contact your Business Development Manager or Personal Lines Manager.
1. What is the Enhanced Water Damage Package?
The Enhanced Water Damage Package is an offering from Intact Insurance and Novex that that is available* for homeowners (including secondary and seasonal homeowners broad form), condominium, tenant and rented dwelling policies. It consists of up to four components to protect customers in the event that water enters their dwelling: Sewer Back-up, Water and Sewer Lines, Overland Water (if eligible) and Ground Water (optional).
2. What is included in the Enhanced Water Damage Package?
Depending on the risk type, the Enhanced Water Damage Package includes Sewer Back-up, $1,000 towards Sewer Back-up Loss Mitigation measures available at the time of a Sewer Back-up loss, and Water & Sewer Line coverage. Overland Water coverage will be provided to the majority of customers, and the optional Ground Water coverage will also be available for Homeowner customers who are eligible for and have Overland Water coverage.
3. Will customers be able to choose how much coverage they want?
While customers may receive some or all components of our Enhance Water Damage Package, the amount of coverage depends on what Overland Water territory is assigned to them and the risk type.
Eligible customers may increase their Overland Water limits, as long as they do not exceed their Sewer Back-up limits.
4. At the time of a covered sewer back-up loss, is $1,000 for loss mitigation over and above the coverage amount, or is it included in the coverage limit?
$1,000 is provided for a sewer back-up mitigation device; either a backwater valve installed on the main line of the dwelling or a sump pump with a back-up system. This is an additional $1,000 over and above the amount of a covered sewer back-up loss.
If the customer already has a sump pump but it failed, they could use $1,000 toward a sewer back-up loss mitigation measure to replace a faulty sump pump with a new sump pump and back-up power system.
If the customer did not have a back-up power system, they could use the $1,000 towards upgrading to a sump pump with a back-up power system.
5. Does sewer back-up loss mitigation have to be done immediately following the loss or does the customer have up to the limitation period to take advantage of this feature?
Yes, the limitation period applies. Ideally, they would install the sewer back-up loss mitigation device when the damage is being repaired.
For customers that qualify for the $1,000 sewer back-up loss mitigation, we recommend that your customer consults with a qualified plumber to select their best option for mitigating future losses.
6. How has Intact Insurance/Novex determined eligibility for Overland Water coverage?
Using information from a variety of sources, we have ‘mapped’ the exposure to increased surface water or overland water losses into different territories that range between low, medium and high risk overland water territories.
7. How much Overland Water coverage will qualifying customers renew with?
Coverage limits for Overland Water are defined by the Overland Water territory a customer resides in. Please refer to the Product Manual for the most up-to-date coverage information.
8. Can brokers increase Overland Water for Homeowner policies by portfolio to match the Sewer Back-up limit, per Overland Water territory for a specific value in eligible Overland Water territories?
Brokers can increase the Overland Water coverage for Homeowner policies in eligible Overland Water territories by portfolio. The amount of coverage must be specific citing the Overland Water territory and coverage amount. For example, increase all Overland Water territory 2 risks to $30,000.
It is important to note that the amount of coverage available is still dependent on what Overland Water Territory is assigned to the customer and the risk type.
9. Will seepage be covered under Ground Water?
Seepage will be excluded from Ground Water as our intention is to cover only losses that result from the sudden and accidental infiltration of water through basement walls, foundations or floors.
10. Under Water and Sewer Lines coverage, why are there exclusions for lines that run under a body of water?
Water or sewer lines that run under a body of water are excluded due to the difficulty in accessing the lines, as well as the increased cost associated with putting things back the way they were once the lines are replaced.
11. Under Water and Sewer Lines coverage, would the water service line be covered if there is a rupture due to freezing or damage caused by tree roots?
Freezing is not excluded from the coverage.
If the tree roots have caused a collapse, break or tear in the line, then there would be coverage to repair or replace the damaged line. The cost of removing tree roots that are causing a blockage in the line would be at the expense of the homeowner and not covered by this product.
12. Is the water and sewer line that runs to a lake for potable water covered under Water and Sewer Lines? The exclusion covers off running through or under a body of water, but is the portion that runs to the lake covered?
We have some risks up north where the potable water source is the lake. We would treat this as the public water supply system for these residents.
13. What deductible will apply to the Enhanced Water Damage Package?
The deductibles for all applicable components of the Enhanced Water Damage Package will be subject to the Water Damage Deductible for Homeowner, Condominium and Rented Dwelling risks. Tenant risks will continue to be subject to the policy deductible for Water Damage losses.
14. Can I remove Overland Water from the Enhanced Water Damage package?
The coverage is sold as a package to make the product easier for the customer to understand by linking similar coverage together. It also helps to limit a potential Error’s and Omissions exposure. Qualified customers who receive Overland Water as part of the package will not be able to delete the coverage. Homeowner customers have the option to ‘buy-down’ on coverage if they want to reduce their premium.
15. How does the Enhanced Water Damage package appear on the Declaration Page?
Customers see one premium for the Enhanced Water Damage package on their declaration page for the applicable coverages (incl. Sewer Back-up, Water & Sewer Line and Overland Water coverage). The optional Ground Water coverage for Homeowner risks prints with its own premium if purchased by the customer.
16. Will Guaranteed Replacement Cost and Single Amount continue to apply?
Yes, we have not removed these important claims settlement options for your customers.
17. Is Additional Living Expenses subject to the coverage limits under the Enhanced Water Damage Package for Sewer Back Up, Water and Sewer Lines, Overland Water and/or Ground Water?
Yes, any claim for Additional Living Expenses resulting from a covered loss under this package would be subject to the coverage limits.
18. Does the 168 hour clause include Ground Water coverage as well?
Yes, the 168 hour clause will also apply if the customer has purchased Ground Water coverage. The 168 hour clause applies to all coverages within the Enhanced Water Damage Package, including optional Ground Water.
19. What marketing and communication materials are available to brokers?