Aviva Insurance has recently introduced the availability of water damage to most homes resulting from the sudden accumulation and accidental entrance of water through foundations, basement walls or basement floors caused by overland water. Overland water coverage is designed to cover water damage to homes from intense rainfall and spring runoff. Aviva introduced this coverage to their policyholders this year and it is expected that more insurance companies will be doing the same in the coming year.
Aviva designed their water coverage to work in conjunction with sewer backup coverage. You must carry both in order for your sewer backup claim to be covered. In extreme situations, water can enter your home at the same time, both as sewer backup claim to be covered. In extreme situations, water can enter your home at the same, both as sewer backup and overland through your foundations, basement walls or basement floors. In this instance, your policy will only cover a sewer backup claim if you also have the Overland Water Endorsement. Give one of our personal lines brokers a call to go through Overland Water Coverage with you.