PROPERTY INSURANCE IS EVOLVING

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1 PROPERTY INSURANCE IS EVOLVING A TOOLKIT FOR BROKERS Canada, along with the rest of the world, is experiencing a dramatic increase in catastrophic losses due to severe weather events. We have created this kit to help you in your discussions with customers about the effects of climate change on insurance and inform them about what they can do to protect their property against water damage. The kit includes reference and support materials and samples of what will be included in your customers renewal packages. BROCHURE SUBSIDY PROGRAMS LETTERS FLOODING DISCUSSION Inside... RESOURCES: BROCHURE MUNICIPAL WATER DAMAGE PREVENTION PROGRAMS LETTERS ICLR BASEMENT FLOODING PROPERTY INSURANCE IS EVOLVING DISCUSSION RENEWAL PACKAGE: RENEWAL NOTICE PERSONAL LINES NEWSLETTER DEC PAGE ENVELOPE BILLING STATEMENT RENEWAL NOTICE NEWSLETTER DEC DEC PAGE PAGE ENVELOPE BILLING STATEMENT

2 WATER DAMAGE WATER DAMAGE FOR BROKERS THE NEW CLIMATE Canada, along with the rest of the world, is experiencing a dramatic increase in catastrophic losses due to severe weather events. Water damage has now surpassed fire as the leading cause of personal property claims. It is estimated that, on average, the Canadian insurance industry pays about $1.7 billion per year in claims due to water damage. That s why Intact Insurance is taking a proactive, disciplined approach to water damage and the effects of climate change, with a focus on education, loss prevention and new choices for customers to ensure the homeowners product remains sustainable over the long term. We ve put together this handy reference guide to give you a quick overview of the issues around water damage and help inform your customers about what they can do to protect their home, personal belongings and health by helping to prevent water damage. THE IMPACT OF WATER DAMAGE Just an inch of water can cause costly damage including: Damage to sentimental or irreplaceable items Damage to carpeting, furniture and electronic equipment Structural damage to homes, including damage to the foundation Depreciation of house values Potential health issues resulting from mould Common types of water damage Basement flooding resulting from sewer backup Basement flooding resulting from sump pump failure, or the absence of a sump pump Burst pipes due to freezing or aging plumbing systems Overflow or leaks from toilets, tubs and sinks Roof leaks from heavy rains or ice damming Leaks from appliances (fridges, hot water tanks, etc.) WHY WATER DAMAGE IS ON THE RISE CLIMATE CHANGE Across the country, severe weather events are becoming more frequent and severe. According to the Insurance Bureau of Canada, storms that were once considered 1 in 40 year storms can now occur every 6 years. The amount of insured damage from extreme weather grew by 650% between 2006 and With weather patterns becoming increasingly unpredictable, as a society we need to adapt. AGING INFRASTRUCTURE Much of Canada s infrastructure was designed to accommodate weather patterns that existed years ago, and is unable to cope with the increased precipitation that is now a reality. The Federation of Canadian Municipalities estimates the cost for upgrading the water and sewage infrastructure is $55 billion. LIFESTYLE Today s homes have more water-using appliances than ever before, increasing the chance of leaks and resulting damage. And often, these appliances are located on ground or second floors of homes, where water can cause a great deal of damage. With fewer people at home during the day this means more time passes before leaks are discovered, making the potential for damage greater. A trend towards finished basements, along with the use of more expensive materials in homes, has also increased the costs associated with water damage. SOME EXTREME WEATHER EVENTS GTA STORM, JULY 8, 2013: Over 100 mm of rain fell in a little more than three hours, affecting thousands of customers and causing flooded basements. Insured damage is estimated at almost $950 million, and growing. SUPERSTORM SANDY, OCTOBER 2012: The post-tropical storm brought high winds and heavy rain to parts of Ontario and Quebec, causing $106 million in insured damage. THUNDERBAY RAINSTORM, MAY 2012: A severe rainstorm unleashed 91 mm on the city in 18 hours, flooding the city s sewage treatment facility. FRONT 2 A TOOLKIT FOR BROKERS

3 RESOURCES 2466 (03-14) WHAT CAN BE DONE TO HELP PREVENT WATER DAMAGE? SEWER BACK-UP Installation of a backwater valve can help prevent sewage from backing up into the home. Backwater valves should be installed by a professional plumber and allow access for regular maintenance Disconnect all downspouts connected to the municipal sewer system Make sure downspouts extend at least 6 feet (where possible) from exterior walls and drain away from the house OTHER TIPS TO HELP PREVENT WATER DAMAGE SUMP PUMP FAILURE Install a reliable backup power source (battery or generator) so the sump pump works in the event of a power outage Make sure to regularly test the batteries and replace every 2-3 years Follow manufacturer s recommendations for maintenance g Items kept in the basement should be stored off the floor and in plastic containers g Avoid pouring fats and grease down the drain g Make sure everyone in the household knows the location of the main water shut-off valve g Consider investing in a rain barrel to prevent runoff by temporarily holding rain water for later use an environmentally friendly solution! Remember to empty it often (especially after a heavy rain) and disconnect it over the winter. g Have a licensed plumber inspect your home g Talk to your local municipality about special programs that may be in place to protect against basement flooding How much coverage is enough? BURST PIPES Replace aging, corroded or blocked pipes Consider installing a water alarm/shut-off system Ensure the home is checked during absences, especially during the heating season TOILETS, TUBS AND SINKS Replace aging fixtures, tubs and toilets Never leave running taps unattended WHAT TO DO IN THE EVENT OF WATER DAMAGE Using four simple variables, estimate your customer s sewer back-up needs. g Don t do anything unless it s absolutely safe to do so g Avoid direct contact with human waste, dirty water or electrical lines g Wear protective gear if entering a part of your home that has been affected g Turn off electrical power to the affected area g Unplug and remove electrical appliances g Move furniture or secure on raised blocks to help prevent water damage g Ventilate and dry the area by opening windows and doors or use fans and dehumidifiers g If the source of the water can be identified, shut it off g Remove damaged or wet materials g If necessary, contact a qualified contractor who specializes in water damage ROOF LEAKS Ensure aging or worn shingles are replaced Make sure the attic is properly insulated Have eavestroughs cleared of leaves at least once a year fall is a good time Install a waterproof membrane or barrier when replacing or repairing the roof Intact Insurance Design is a registered trademark of Intact Financial Corporation used under license. Insurance Is Evolving is a trademark of Intact Insurance Company Intact Insurance Company. All rights reserved. 2009, 2013, 2014 Intact Insurance Company. All rights reserved. REMEMBER A: Finished space (sq. ft.) x $25 = $ B: Unfinished space (sq. ft.) x $5 = $ C: Value of basement contents (furniture, mementos, appliances, storage, etc.) = $ D: Upgrades (wine cellar, second kitchen, etc) = $ A+B+C +D= Total estimated cost to repair a water damaged basement = $ Looking for more information? APPLIANCE LEAKS (INCLUDING TOILETS) Replace aging appliances Replace plastic connection lines with CSA-approved steel-braided hoses Have hot water tank checked by tank provider (if rented) Consider switching to a tankless water heater Avoid running appliances when no one is home No two homes are alike. When discussing the potential for water damage and coverage needs with your customer, keep in mind that each home is unique and may require that different questions be asked and different solutions be offered to ensure customers have the right amount of coverage, while offering them flexibility in pricing and coverage: Whether the basement is finished or not What basement flood protection measures the customer has taken or can take New sewer back-up sub-limits available Actual cash value coverage option for basement contents Many municipalities have programs in place to help deal with issues around water and can offer valuable information and resources to help customers protect their homes against water damage. There are a number of websites you might find useful. Here are just a few. Intact Insurance Insurance is Evolving Intact Broker Portal Insurance Bureau of Canada Institute for Catastrophic Loss Reduction Canada s Action on Climate Change Basement Flood Reduction Municipal government subsidy programs www. https://brokers.intactinsurance.com BACK BROCHURE SUBSIDY PROGRAMS LETTERS FLOODING DISCUSSION RENEWAL NOTICE NEWSLETTER DEC PAGE ENVELOPE 3 BILLING STATEMENT

4 RESOURCES WATER DAMAGE BROCHURE Do you know the #1 threat to homes in Ontario? THE RISK OF WATER DAMAGE IS ON THE RISE Why? Heavier precipitation and less predictable weather patterns mean more severe weather more often, which increase the chances of water entering our homes. The combination of our aging infrastructure and a growing population is sometimes too much for our sewer systems to handle, resulting in flooding and sewer back-ups. The more water-using appliances, such as dishwashers, washing machines, humidifiers, hot water heaters, etc. we use in our homes, the greater the chance that water could leak and cause damage. Water damage has now surpassed fire as Canada s leading cause of personal property claims. It s estimated that, on average, water causes about $1.7 billion in damage across the country each year. But, with a little know-how and some routine maintenance, you can stay ahead of the wave and keep unwanted water out. IT S IMPORTANT TO PROTECT YOURSELF AND LOWER YOUR RISK It s a smart policy to understand your coverage. Ask your broker and be sure. Water damage is serious business. It can be a big drain financially, emotionally, even physically. Just one inch is all it takes to destroy sentimental or irreplaceable items, or to cause expensive structural damage. And the bacteria and mould it can leave in its wake can pose serious health risks to you and your family. So, the best way to deal with water damage is to prevent it from happening in the first place. Here are some easy things you can do inside and outside your home to help keep you comfortable, safe and dry. HOW MUCH WATER WILL YOUR INSURANCE POLICY HOLD? Not all water damage is the same, so make sure you know what your insurance will and will not cover. For example, most policies will cover the cost of repairing damage caused by the sudden escape of water, like a washing machine overflowing or rupture of a hot water tank. You might even be covered if the sewer backs up in your home, but only if you ve purchased optional sewer back-up coverage. Every situation is different and no two policies are the same. So if you want to know exactly what your policy will cover, it s best to speak with your broker. Whether your basement is unfinished or is an extension of your living space, your broker is the best person to help ensure your policy reflects your needs. Coverage for overland flooding, which is damage caused by surface water that comes in through doors and windows, is not included in your policy and is not available for purchase. FRONT 4 A TOOLKIT FOR BROKERS

5 RESOURCES THINGS YOU CAN DO: outside your home TO STOP WATER FROM GETTING IN Disconnect downspouts from the municipal sewer system. Extend downspouts at least 6 feet (1.8 metres) away from your exterior walls if possible and drain away from your house towards the street or backyard. Install a rain barrel to minimize the amount of surface water that could overload drainage systems and otherwise enter your home. Empty it regularly (especially after a heavy rain) and disconnect it over the winter. DID YOU KNOW? For more details, contact your broker. intactinsurance.com Inspect your roof regularly and replace aging or worn shingles check flashing and caulking around chimneys and vents replace when necessary. Grade the ground around your home to slope away from foundation walls. Before temperatures drop to freezing in late fall/early winter, turn off the water supply to outdoor taps and faucets, then open the taps to drain completely. Leave taps in the open position until spring. inside your home TO KEEP WATER OUT Install backwater valves on the main line to the sewer line the valve will automatically close if sewage backs up from the main sewer, preventing it from entering your home. Consider investing in a sump pump it collects water from the weeping tiles around your basement and discharges the water outside the house through a pipe. Make sure the pipe extends at least 6 feet (1.8 metres) away from your house and that the sump pump has a reliable backup power source (battery or generator) in the event of a power outage. Don t forget to replace the batteries every 2-3 years. How much sewer back-up coverage is enough? Inspect pipes and hot water tanks and replace them at the first signs of rust or corrosion. Consider a tankless water heater. No tank means a reduced chance of a leak damaging your home and belongings. Insulate pipes that are next to exterior walls to prevent them from freezing. Be aware of signs that indicate your pipes or plumbing may be leaking look for condensation around pipes, watch for stains on walls or ceilings and be alert to musty smells. A NUMBER OF MUNICIPALITIES IN ONTARIO OFFER SUBSIDIES TO HOMEOWNERS who take basement flood reduction measures, such as installing a sump pump or backwater valve. Learn more at: *The formula is intended to serve as a general resource tool only. You are responsible for its use and assume all risks in its use. We make no representation, warranty or guarantee that use of this tool will reduce your premium, accurately estimate potential losses, costs of repairs, or required coverage. Your insurance policy prevails at all times, please consult it for a complete description of coverage and applicable exclusions, and call your broker if you have any questions. The above prevention tips are for informational purposes only. Intact makes no representation, warranty or guarantee that following these tips will prevent water damage. Intact Insurance Design is a registered trademark of Intact Financial Corporation used under license. Insurance Is Evolving is a trademark of Intact Insurance Company. 2009, 2013, 2014 Intact Insurance Company. All rights reserved. Keep eavestroughs and downspouts clear of leaves and other debris clean out at least once a year late fall is a good time. A leaky roof in winter is often the result of ice damming to prevent ice dams from forming, make sure your attic is properly insulated, install a waterproof membrane under the shingles. Don t try to clear ice and snow from your roof yourself hire a professional. Keep appliances like your fridge and washing machine in good condition and replace when showing signs of age avoid running washing machines and dishwashers when no one is home. Inspect hoses every 6 months and replace any with kinks (always leave 3 to 4 inches at the back of the appliance to prevent crimping). Replace plastic connection lines on appliances (including toilets) with CSA-approved steelbraided hoses. Arrange to have someone check your property daily if you are going to be away from home. Use the following formula* to estimate the amount of coverage you would need should your basement be damaged by water Square footage (finished) + Square footage (unfinished) + Value of contents + Value of upgrades x $25 x $5 (furniture, mementos, appliances, etc) (wine cellar, second kitchen, etc) This is a guide only. Please contact your insurance broker to determine the amount of coverage that is right for you Taking any of the following prevention measures can not only help protect your property, you may also save on your premium: HOT WATER TANK LESS THAN 6 YEARS OLD SAVE up to 7% OFF WATER DAMAGE PREMIUM TANKLESS WATER HEATER 25% SAVINGS OFF WATER DAMAGE PREMIUM UNFINISHED BASEMENT SAVE up to 15% OFF WATER AND WATER ESCAPE /BACK-UP PREMIUM A range of discounts is available for A PROFESSIONALLY INSTALLED SUMP PUMP OR BACKWATER VALVE AUTOMATIC WATER SHUT-OFF VALVE AND SENSORS 25% SAVINGS OFF WATER DAMAGE PREMIUM SAVE up to 30% OFF WATER ESCAPE/BACK-UP PREMIUM BACK BROCHURE SUBSIDY PROGRAMS LETTERS FLOODING DISCUSSION RENEWAL NOTICE NEWSLETTER DEC PAGE ENVELOPE 5 BILLING STATEMENT

6 RESOURCES ONTARIO MUNICIPALITY WATER DAMAGE PREVENTION PROGRAMS ONTARIO MUNICIPALITY Water Damage Prevention Programs A number of municipalities in Ontario offer subsidies or grants to homeowners who take steps to protect their home against water damage. For full details, eligibility and application forms, click on the municipality link. By taking these steps, not only will customers be able to better protect their home, they may be eligible for a discount on their sewer back-up premium. For more details, refer to the online personal property product & rate manual on the Broker Portal. If you are aware of additional programs available in your community or changes to programs, please send a note to and we ll update the listing. MUNICIPALITY PROGRAM REQUIRED ACTION SUBSIDY / GRANT BRANTFORD Basement Flooding Grant Program One-time grant to offset cost of eligible work such as: g Installation of a sump pump with battery back-up g Installation of a backwater valve g Disconnection of weeping tiles from sanitary or storm sewer; g Re-connection of these weeping tiles to the sump pump; g Disconnection of downspouts g All materials, labour and the restoration of the disturbed property Up to $3,000 for homeowners who have documented recurring storm or sanitary sewer back-ups as a result of sewer surcharging DURHAM REGION Basement Flooding Loan Program Resulting From a Sanitary Sewer Backup g Backwater valve and sump pump Residents who have experienced basement flooding due to a sanitary sewer backup may qualify for an interest-free loan up to $3,000 HALTON Basement Flooding Prevention Subsidy Program g Weeping tile disconnection/sump pump system One-half of the invoiced total by contractor, maximum of $1,800 g Disconnection of downspouts One-half of all costs, maximum of $250 g Backwater valve* *Homeowners will only qualify for this subsidy if they have demonstrated they do not have any downspout or weeping tile/foundation drain connections to the sanitary sewer or coinciding with measures to eliminate these connections One-half of the invoiced total by contractor, maximum of $675 HAMILTON Protective Plumbing Program (3P) g Backwater valve g New sump pit and pump (installed in conjunction with a backwater valve) g Disconnecting downspouts Maximum funding provided depends on the actual improvements completed and is limited to $2,000. A 3P grant may be applied to the following eligible improvements subject to the maximum amounts: Maximum $2,000: Installation of an approved backwater valve Installation of a NEW sump pit and pump in conjunction with a approved backwater valve Maximum $500: Assessment and CCTV inspection Maximum $40./downspout to a maximum of $200: Disconnection of downspouts This is a guide only. For complete details, refer to each municipality s water damage prevention program website. PAGE 1 6 A TOOLKIT FOR BROKERS

7 RESOURCES MUNICIPALITY PROGRAM REQUIRED ACTION SUBSIDY / GRANT KINGSTON Preventative Plumbing Program g Backwater Sewer Valve Covers 75% of costs, maximum $1,200 g New Sump Pit and Pump Covers 75% of costs, maximum $1,400 g Capping of Foundation Drain Connection Covers 50% of costs, maximum $1,000 g Disconnection of Existing Sump Pump Covers 50% of costs to maximum $300 Maximum financial assistance available per home: $3,000 BROCHURE SUBSIDY PROGRAMS LONDON Sump Pumps, Sewage Ejectors & Storm Private Drain Connections g Backwater valve g Sump pump g Sewage ejector installation Covers up to $575 for a full port type backwater valve (for homes where an approved sump pump already exists) Covers up to a maximum of $1,875 of the actual cost for a sump pump if the foundation weeping (footing) tiles are disconnected from the main building sewer line inside the basement, or up to $2,650 if the tiles are disconnected from the main building sewer line outside the basement. Covers up to $1,525 of the actual cost for a sewage ejector and holding tank (if installed in conjunction with a sump pump) instead of a full port type backwater. LETTERS FLOODING g Private drain connection Covers up to $3,775 of the actual cost for a storm private drain connection. This financial support applies only to the cost within the City road allowance or City easement. The homeowner pays for the portion of the work on private property. DISCUSSION MARKHAM Sanitary System Downspout Disconnection Program g Downspout disconnection 0% of the cost, up to $500 g Rain barrel 100% of the cost for a rain barrel purchased by the homeowner, up to $150. RENEWAL NOTICE MISSISSAUGA (LISGAR DISTRICT) NIAGARA FALLS Lisgar District Sump Pump Subsidy Program Weeping Tile Removal Assistance Program (Wrap) This is a guide only. For complete details, refer to each municipality s water damage prevention program website. g Sump Pump g Weeping Tile Disconnection: Disconnection of the Weeping Tile Sump Pump Backwater Valve g Mainline Fullport Backwater Valve (with clear cover) g Weeping Tile Investigation by licensed plumber Up to 50% of the cost, maximum $3,000 per household 100% reimbursement up to $3,000 for labour, materials (including restoration), permit and taxes 100% reimbursement up to $ % reimbursement up to $400 NEWSLETTER DEC PAGE ENVELOPE PAGE 2 7 BILLING STATEMENT

8 RESOURCES ONTARIO MUNICIPALITY WATER DAMAGE PREVENTION PROGRAMS CONTINUED MUNICIPALITY PROGRAM REQUIRED ACTION SUBSIDY / GRANT g Grants for Protective Plumbing Devices (approved under By-law ) Covers 1) 100% of the cost of the work, maximum$4,000 (including taxes) where a basement or cellar has previously flooded resulting from a City sewer-backup; or 2) 50% of the cost of the work, maximum $2,500 (including taxes) for a house that has not experienced flooding resulting from a city sewer back-up, but is located in a area with a history of flooding. OTTAWA Residential Protective Plumbing Program g Grants for Protective Plumbing with Flat Roof Drainage (approved under By-law ) g Grants for Protective Plumbing with a Sealed Sump Pump System (approved under By-law ) Covers 1) 100% of the cost of the work, maximum $7,500 (including taxes) where a basement or cellar experienced flooding resulting from a city sewer back-up ; or 2) 50% of the cost of the work, maximum $3,750 (including taxes) for a house that has not experienced flooding from a city sewer back-up, but is located in an area with a history of flooding. Covers: 1) 100% of the cost of the work, maximum of $7,500 (incl. taxes) where a basement or cellar experienced a flooding resulting from a city sewer back-up 2) 50% of the cost of the work, maximum of $3,750 (incl. taxes) for a house that did not experience flooding resulting from a city sewer back-up, but is located in an area with a history of flooding. g Adjacent Properties (approved under By-law ) Homeowners are eligible for 100% grant coverage appropriate for the type of installation described in the previous sections if: the property is located right beside the property that experienced a backup, or a semi-detached home experienced a backup and the other attached home is at risk. g Backwater valve g Sump pump with battery back-up surcharging. ST. CATHARINES Flood Alleviation Program (FLAP) g Disconnection of weeping tiles from the sanitary sewer Grants up to $3,000 to homeowners who have documented recurring sanitary back-ups as a result of a sewer surcharging. g Reconnection of weeping tiles to the sump pump g All materials & labour and the restoration of the disturbed property THUNDERBAY Flood Prevention Measures g Sump pump Up to 50% of the invoiced cost, maximum $1,250 including labour, materials, permit and taxes g Backflow valve Up to 50% of the invoiced cost, maximum $1,750 including labour, materials, permit and taxes g Disconnection of weeping tiles from the sanitary sewer Up to 100% of the invoiced cost, maximum $500 including labour, materials, permit and taxes This is a guide only. For complete details, refer to each municipality s water damage prevention program website. PAGE 3 8 A TOOLKIT FOR BROKERS

9 RESOURCES MUNICIPALITY PROGRAM REQUIRED ACTION SUBSIDY / GRANT TORONTO Basement Flooding Protection Subsidy Program g Backwater valve g Sump pump g Backwater valve + sump pump g Pipe severance and capping (Disconnection of foundation drains (weeping tiles) from the City s sewer system by severing and capping the underground storm sewer connection pipe) 80% of the invoiced cost up to a maximum of $1,250 including eligible labour, materials, permit and taxes. 80% of the invoiced cost up to a maximum of $1,750 including labour, materials and taxes 80% of the invoiced cost up to a maximum of $2,800 including eligible labour, materials, permit and taxes. 80% of the invoiced cost up to a maximum of $400 including eligible labour, materials and taxes. BROCHURE SUBSIDY PROGRAMS VAUGHAN Back-water Valve Installation Subsidy Program g Backwater valve g Backwater valve Total subsidy up to $3,200 per property for owners of single-family, duplex and triplex residential homes 50% of the invoiced cost, maximum $750, including eligible labour, materials, permits and taxes. Subsidies for eligible work are subject to available funding and provided on a first come, first-served basis. Residents who have installed an approved device since Aug 19, 2005 may also be eligible for the subsidy. LETTERS FLOODING WELLAND Sewage Water Alleviation Program (SWAP) g Sump basin with sump pump & battery back-up g Disconnection of pipe connections from foundation drain/weeping tile to the sanitary drainage system g Disconnection of downspouts g Sewer lateral/weeping tile connection tracing by camera or other means g Installation of clean-cut (if required) g Associated excavation, sawcutting, backfilling & basement concrete floor re-instatement Maximum $3,000 DISCUSSION RENEWAL NOTICE WINDSOR Basement Flooding Protection Subsidy Program (BFP) g Backwater valve g Sump pump to disconnect foundation drains to floor drains g Backwater valve and sump pump g Disconnect foundation drains from floor drain Up to 80% of cost ($1,000 maximum) Up to 80% of cost ($1,750 maximum) Up to 80% of cost ($2,800 maximum) Up to 80% of cost ($400 maximum) NEWSLETTER (03-14) Downspout Disconnection Program This is a guide only. For complete details, refer to each municipality s water damage prevention program website. For more details, contact your broker. intactinsurance.com g Disconnection of downspouts Intact Insurance design is a registered trademark of Intact Financial Corporation used under license. Insurance Is Evolving is a trademark of Intact Insurance Company Intact Insurance Company. All rights reserved. Maximum eligible subsidy is $2,800 per home/unit Free PAGE 4 DEC PAGE ENVELOPE 9 BILLING STATEMENT

10 RESOURCES LETTER FULL SBU COVERAGE Water damage has now surpassed fire as Canada s leading cause of personal property claims. Learn how to prevent it from happening to you. Dear [Customer], As your insurance broker, helping you protect your home and property is my top priority. Every day, homes across Canada suffer water damage and the risk of it happening to you is on the rise for a number of reasons: an increase in the severity and frequency of severe weather events, a growing population putting pressure on an already aging infrastructure, and a change in lifestyles and home designs. Property insurance is evolving to address the changing climate. As your broker, we are here to help take care of what s important to you, and you have a role to play too in understanding the potential risks of water damage and what you can do about them. You have new choices when it comes to your insurance, and there are a number of things you can do to help protect your home and family while helping you save on your insurance premium. Most Canadians are unsure about how much sewer back-up protection they actually need. It depends. Is your basement unfinished or an extension of your living space? You may have made changes to your basement space or home since we last discussed your policy. If you are not sure about how much coverage you need, I can help you estimate the cost of repairing your basement should it be damaged by water. Depending on the level of coverage you choose, you may be able to lower your premium. Intact Insurance also offers a number of discounts if you take measures to protect your home, such as having a professionally installed backwater valve or switching to a tank-less water heater. Ask me about other prevention discounts available. A number of Ontario municipalities offer subsidies to homeowners who install devices such as a backwater valve or sump pump. Call me or visit basementfloodreduction.com to learn about programs available in your area. The enclosed water damage prevention brochure provides great tips on things you can do inside and outside your home to protect it from water damage. Prevention is key to keeping your home safe and dry, so make sure that water damage prevention is a part of your home maintenance plan. If you are interested in learning more about how insurance is evolving, visit. If you have any questions about how you can prevent water damage, or about your insurance policy and what it covers in the event of water damage, I d be more than happy to discuss them with you. Sincerely, Name/Broker 10 A TOOLKIT FOR BROKERS

11 RESOURCES LETTER SBU SUB-LIMITS BROCHURE Water damage has now surpassed fire as Canada s leading cause of personal property claims. Learn how to prevent it from happening to you. Dear [Customer], Every day, homes across Canada suffer water damage and the risk of it happening to you is on the rise for a number of reasons: an increase in the severity and frequency of severe weather events, a growing population putting pressure on an already aging infrastructure, and a change in lifestyles and home designs. While we we look at a number of factors to predict the potential for flood or sewer back-up in different locations, we also know from historical data that some areas such as yours are more vulnerable to water damage. As a homeowner, you need to take extra steps to reduce the risk of water damage. Property insurance is evolving to address the changing climate. As your broker, we are here to help take care of what s important to you, and you have a role to play too in understanding the potential risks of water damage and what you can do about them. You have new choices when it comes to your insurance, and there are a number of things you can do to help protect your home and family while helping you save on your insurance premium. Most Canadians are unsure about how much sewer back-up protection they actually need. It depends. Is your basement unfinished or an extension of your living space? You may have made changes to your basement space or home since we last discussed your policy. If you are not sure about how much coverage you need, I can help you estimate the cost of repairing your basement should it be damaged by water. Depending on the level of coverage you choose, you may be able to lower your premium. Intact Insurance also offers a number of discounts if you take measures to protect your home, such as having a professionally installed backwater valve or switching to a tank-less water heater. Ask me about other prevention discounts available. A number of Ontario municipalities offer subsidies to homeowners who install devices such as a backwater valve or sump pump. Call me or visit basementfloodreduction.com to learn about programs available in your area. The enclosed water damage prevention brochure provides great tips on things you can do inside and outside your home to protect it from water damage. Prevention is key to keeping your home safe and dry, so make sure that water damage prevention is a part of your home maintenance plan. If you are interested in learning more about how insurance is evolving, visit. If you have any questions about how you can prevent water damage, or about your insurance policy and what it covers in the event of water damage, I d be more than happy to discuss them with you. SUBSIDY PROGRAMS LETTERS FLOODING DISCUSSION RENEWAL NOTICE NEWSLETTER Sincerely, Name/Broker DEC PAGE ENVELOPE 11 BILLING STATEMENT

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13 RESOURCES ICLR BASEMENT FLOODING Designed for safer living BROCHURE Protect your home from Basement flooding Designed for safer living is a program endorsed by Canada s insurers to promote disaster-resilient homes. SUBSIDY PROGRAMS LETTERS FLOODING DISCUSSION RENEWAL NOTICE NEWSLETTER FRONT COVER Reproduced with permission of The Institute for Catastrophic Loss Reduction. DEC PAGE ENVELOPE 13 BILLING STATEMENT

14 RESOURCES ICLR BASEMENT FLOODING CONTINUED About the Institute for Catastrophic Loss Reduction Start reducing your risk of basement flooding The Institute for Catastrophic Loss Reduction (ICLR), established in 1997, is a world-class centre for multidisciplinary disaster prevention research and communication. ICLR is an independent, not-for-profit research institute founded by the insurance industry and affiliated with the University of Western Ontario. The Institute s mission is to reduce the loss of life and property caused by severe weather and earthquakes through the identification and support of sustained actions that improve society s capacity to adapt to, anticipate, mitigate, withstand and recover from natural disasters. ICLR s mandate is to confront the alarming increase in disaster losses caused by natural disasters and to work to reduce disaster deaths, injuries and property damage. Disaster damage has been doubling every five to seven years since the 1960s, an alarming trend. The greatest tragedy is that many disaster losses are preventable. ICLR is committed to the development and communication of disaster prevention knowledge. For the individual homeowner, this translates into the identification of natural hazards that you and your home are vulnerable to. The Institute further informs individual homeowners what steps may be followed to better protect your family and your home. The purpose of this booklet is to outline steps that you can take to protect your home from basement flooding. Some of these measures are simple and free; others cost money. All contribute to reducing the risk of basement flooding. Published by: The Institute For Catastrophic Loss Reduction Cover photos: Top: ShutterStock. LL: Dan Sandink. LR: ShutterStock. Waiver: ICLR accepts no responsibility of liability for: any loss or damage that any person may sustain as a result of the information in, or anything done or omitted in reliance on, this pamphlet; and any personal injury or bodily injury, including death, and any loss or damage caused by flooding to insured or uninsured structures and /or property as a result of actions outlined in this document. ISBN: Copyright 2011 The Institute For Catastrophic Loss Reduction Quick and free things everyone can do to reduce the risk of basement flooding There are some easy and free things that you can do to reduce the risk that your home is flooded. 1 Never pour fats, oils and grease down your drains! 2 Reduce home water use during heavy rains. 3 Keep the storm sewer grates on your street clear of yard waste, leaves, garbage, ice and snow. 4 Clean and maintain your eavestroughs and downspouts at least once a year. 5 Store anything expensive, valuable or irreplaceable upstairs These are some initial steps to prevent basement flooding. However, if you have had water in your basement in the past then you need take more significant steps to protect your home. Six reasons you should invest in ways to protect your home 1 If water got into your home before, it could get in again unless you take action. 2 Finished basements used as living space may have more furniture and expensive electronics, making it more important to protect your home. 3 Overland flood damage is not covered by your home insurance policy. A small cost now can save you a lot of money after the flood. 4 Floods may have long-term health impacts on your family if they cause moulds to grow. 5 Homes in older neighborhoods are usually more vulnerable than homes in newer neighborhoods. 6 Climate change scientists report that severe rain storms are occurring more often in many parts of Canada, and they are expected to continue to increase in frequency and severity. 1 INTRO PAGE PAGE 1 14 A TOOLKIT FOR BROKERS

15 RESOURCES BROCHURE SUBSIDY PROGRAMS First steps 1. Talk to your local government. The first step is to visit your municipal government s website or contact the public works, utilities or building department to find out about their programs on reducing basement flooding. What advice do they offer? Are there engineering studies on your subdivision? How do you report basement flooding to them? What does your local government suggest you do? Do they offer any financial assistance programs for plumbing installations? Do they recommend contractors or plumbers? What permits do you need in order to begin? 2. Talk to your insurance agent or broker. Talk to your insurance agent or broker to find out about what types of water damages are covered under your policy. Trying to make a claim after you have suffered water damage is not a good way to find out that you don t have the proper coverage, or that overland flooding is uninsurable. 3. Get a plumber to conduct a plumbing investigation of your home Each home is unique. A plumber or contractor who is fully versed in home and municipal drainage systems can best help you protect your home. Understanding the risks of basement flooding and the nature of your plumbing and sewer connections will help to ensure that the best course of action is taken to reduce future water damage in your home. Your municipality may help you find a plumber. 1. Taking action on your own Seal cracks in foundation walls and basement floors Sealing cracks is a simple way to help reduce basement flooding in your home. In many cases, cracks can be effectively sealed from inside. Most of the time, you should not have to dig anywhere beside the foundation to repair them. Disconnect your downspouts, add extensions and splash pads Downspouts are designed to convey water from eavestroughs and down the side of the house. Downspouts often direct water to the surface of the lot, but in many cases they may be connected to the weeping tile or the sanitary sewer lateral. Downspout extensions should be directed at least 1.8 metres (6 ft) away from the home, and the flows should be directed over permeable surfaces, such as lawns or gardens, and not paved surfaces including driveways or walkways. Talk to your municipal government before you do this. When connected to the municipal sanitary sewer system, eavestrough downspouts can contribute a substantial amount of water to these systems. Because of the environmental impacts resulting from combined sewer overflows and the increase in basement flooding risk that connected eavestroughs cause, it is illegal to connect downspouts to municipal sewer systems in many Canadian communities. Downspout extension SLOPED CLAY CAP BASEMENT WALL FOOTING MINIMUM 1.8M (6ft) DOWNSPOUT DOWNSPOUT EXTENSION BACKFILL ZONE UNDISTURBED SOIL COARSE GRAVEL WEEPING TILE SPLASH PAD GROUND SURFACE If your downspout looks similar to these, chances are it is connected to your weeping tile or the municipal sanitary sewer system and should be changed. LETTERS FLOODING DISCUSSION RENEWAL NOTICE NEWSLETTER 2 PAGE 2 PAGE 3 3 DEC PAGE ENVELOPE 15 BILLING STATEMENT

16 ICLR BASEMENT FLOODING CONTINUED 2. Questions for a plumber In many cases, it is the more substantive measures that are the most effective way to reduce basement flooding. Many of these require the assistance of a licensed plumber. Municipal governments often require permits for the plumbing and drainage improvements described in this document. Talk to your municipal government to make sure you or the person you have hired have the proper permits. Is poor grading causing my flooding? The slope of your yard is very important to keep water away from your home and foundation. This helps keep the basement dry. You should: Check your lot to see if your yard slopes away from your home. Look everywhere, including under stairs and decks. The soil directly beside your foundation wall should be approximately 10 cm to 15 cm higher than the soil 1.5 metres away from the foundation. If you notice that the ground close to the foundation of your house has settled beside your foundation wall, fill it in with a solid, compactable soil like clay so that there is Typical backyard swale with a drain. a constant slope away from the foundation. Talk to the department in your municipal government that is responsible for building inspections and stormwater drainage about swales (the grassy depressions that help direct water away from homes) and lot grading. Ask them where swales should be on your property, and where water from your lot should be directed. Do I have a weeping tile? A weeping tile or foundation drain is an underground perforated pipe that runs along the bottom of a home s foundation. Older Canadian homes, for example those built before the 1940s or 1950s, may not have foundation drains. If you find that your home does not have a foundation drain and you experience serious infiltration flooding, you should consider having a foundation drain installed. If you do have a foundation drain, it can become clogged with debris or collapse in some sections. A plumber will need to decide if it can be fixed or it needs to be replaced. Weeping tile installation If a plumber does fix or replace the weeping tile, ICLR SLOPED CLAY CAP recommends including a cleanout port with access from the ZONE BASEMENT WALL BACKFILL surface to allow easier maintenance in the future. FOOTING A What is my weeping tile connected to? A weeping tile that is directly connected to your home s Legend sanitary sewer lateral increases the amount of water that A B C D E enters the municipal sewer system during a heavy rainfall. Please refer to the illustration on the Disconnecting your weeping tile from the sanitary or storm next page. sewer can help reduce the chances that you and your neighbours will experience basement flooding. It can also reduce the risk of structural damage to your home. B Do I have a sump-pump? When weeping tiles are disconnected from sewer laterals, a sump-pit and sump-pump must be installed. The sump-pump is used to pump water from the weeping tiles to the lot s surface. In some unique cases, municipalities may recommend a sump-pump to pump weeping tile water to the storm sewer system. Is my sump-pump working correctly? Sump-pumps get blocked and can fail if they are not routinely inspected and maintained. On-going maintenance helps to ensure the sump-pump keeps working long term. You can inspect the sump-pump by pouring water into the sump pit, and seeing whether or not the pump starts automatically. Sump-pumps need electricity. They stop working during a power failure. You should use a back-up system to make sure the pump works when you need it. Talk to your plumber or electrician about options. UNDISTURBED SOIL COARSE GRAVEL WEEPING TILE GROUND SURFACE Gasoline powered generator 4 5 PAGE 4 PAGE 5 16 A TOOLKIT FOR BROKERS

17 RESOURCES BROCHURE SUBSIDY PROGRAMS C Do I need a backwater valve? A mainline backwater valve is placed directly into the sewer lateral at the foot of your basement wall. The device allows sewage to flow in only one direction out of your house. When sewage begins to move toward your basement, the valve closes. Some municipalities offer subsidies to offset the cost of installing a backwater valve. Make sure you install the type of valve recommended by your municipality. Installation of the backwater valve may reduce the cost of insurance or be required as a condition of insurability. Some municipalities have backwater valve rules. In most cases they require the normally open (or open-port) mainline backwater valve. This valve is installed directly into the sanitary sewer lateral, and serves to protect all home plumbing fixtures from sewer backup. When installing backwater valves: The valve should be installed based on the manufacturer s installation instructions, which have specifications for placement and grading. LETTERS FLOODING STACK (VENT) DOWWNSPOUT Backwater flow valve with plastic viewing cover. Floor plate cover for backwater valve. DISCUSSION MINIM UM 1.8m (6 6ft) 1.5m (5ft) mm (4-6 inches) PROPER YARD GRADING WINDOW WELL BASEMENT WINDOW BASEMENT LAUNDRY FLOOR FLOOR DRAIN BATHROOM FLOOR PLATE COVER SEALED CAP BASEMENT WALL SUMP PUMP DISCHARGE LINE TO SURFACE DOWNS SPOUT EXTENS SION BACKFILL ZONE SPLASH PAD GENERATOR GROUND SURFACE SLOPED CLAY CAP UNDISTURBED SOIL MANHOLE COVER ROAD SURFACE RENEWAL NOTICE WEEPING TILE CONNECTED TO SUMP PIT TRAP SUMP PIT SUMP PUMP CLEANOUT BACKWATER FLOW VALVE FOOTING COARSE GRAVEL WEEPING TILE WEEP ING TILE CONNECTED TO SUUMP PIT SANITAARY SERVICE LATERAL CATCH BASIN SANITARY SEWER STORM SEWER CATCH BASIN NEWSLETTER 6 PAGE 6 PAGE 7 7 DEC PAGE ENVELOPE 17 BILLING STATEMENT

18 ICLR BASEMENT FLOODING CONTINUED Backwater valve and sump-pump P BASEMENT WALL SUMP PUMP DISCHARGE LINE TO SURFACE SEALED CAP SUMP PIT SUMP-PUMP CLEANOUT BACKWATER FLOW VALVE FOOTING BACKFILL ZONE WEEPING TILE CONNECTED TO SUMP PIT SANITARY SERVICE LATERAL Proper placement and installation of the backwater valve is extremely important. If placed in the wrong location relative to other plumbing fixtures on the sanitary lateral, the valve could be bypassed and provide no protection. If the valve is placed in the wrong location, sewer backup pressure can build up and crack the basement floor and lead to flooding. If the weeping tiles are still connected to the sanitary sewer lateral downstream of the valve, sewage could be forced back into the weeping tiles and lead to structural damage to the foundation, this can also lead to infiltration flooding. Like other parts of your home, backwater valves require periodic maintenance to ensure proper performance. An improperly maintained valve may fail during a flood. Most mainline backwater valves come with a see-through top so you can check to see if it is clogged with debris. The valve should be checked regularly to ensure that it will function properly when it is needed. You will likely need the help of a qualified plumber to carry out maintenance of the valve. After a backwater valve has been installed do not use plumbing, for example, flushing toilets, running dishwashers, washing machines, or running taps, etc. during intense rainfall events. If the home plumbing is used when the backwater valve is closed, water will have no way to exit your home until the valve has reopened. If you re not sure if the valve is closed, check it you should be able to see it through the clear, plastic top. D Are my sewer laterals working properly? Sewer laterals, the pipes that connect a home s plumbing system to the municipal underground sewer system, should be regularly maintained. Over time, the sanitary sewer lateral can get clogged with fats, oils and grease (FOGS) or other debris, which can restrict flows and cause sewer backup. This may especially be a problem in older homes when the lateral has not been routinely maintained. Sewer laterals are accessed through the cleanout port, which may be located either inside of the basement or outside of the home, close to where the lateral enters the home. To find out how well your sanitary sewer lateral has been maintained, you should talk to a licensed plumber who can carry out a camera inspection of your lateral. A plumbing inspection will identify if it is contributing to your flood risk. Some communities recommend that homeowners replace their sewer lateral every 30 years or so. E Basement windows If your basement windows are close to the surface of the ground, window wells and window well covers can reduce the crevasses that allow water to enter. The outer edges of the window well should fit snugly against the wall. The bottom of the well should be 15 cm below the underside of the window with a mixture of gravel and sand to allow drainage. Window well and cover WALL FRAMING FLOOR FRAMING COARSE GRAVEL BASEMENT WALL FOOTING BRICKING WINDOW WINDOW WELL COVER GOOD DRAINAGE AWAY FROM HOUSE UNDISTURBED SOIL BACKFILL ZONE WEEPING TILE 8 9 PAGE 8 PAGE 9 18 A TOOLKIT FOR BROKERS

19 RESOURCES BROCHURE SUBSIDY PROGRAMS 3. Measuring your risk of basement flooding Assign yourself the indicated number of points for each question. The fewer the points you get, the more prepared your property is to prevent flooding. If a question does not apply to your home, score 0. Does your home have a backwater valve? Yes 0 No 15 LETTERS Has your basement ever flooded? Do you pour fats and cooking oils and grease down the sink? Are the sewer grates in front of your home clear of debris? Have you cleaned your eaves and downspouts within the past year? Yes 25 Don t know 5 No 0 All the time 5 Sometimes 5 Never 0 Yes 0 No 5 Yes 0 No 5 Does your home have a sump-pump? Have you tested the sump-pump in the last 12 months? Does your sump-pump have a back-up power source? Are any of your eavestrough downspouts connected to the municipal sewer system? Yes 0 No 5 Yes 0 No 5 Yes 0 No 5 Yes 5 No 0 FLOODING DISCUSSION Are there any unsealed cracks in your foundation or basement floor? Are your downspouts directing water 1.8 metres (6 feet) away from your home? Is the soil directly beside your home 10 to 15 cm higher than the soil 1.5 metres away from the home? Yes 15 No 0 Yes 0 No 10 Yes 0 No 10 Do you have a reverse sloped driveway? Do you have basement windows close to the surface of your lot? Low 21 or less, Moderate 21 to 29, High 30 to 35, Extreme, 35 or more Notes Yes 15 No 0 Yes 15 No 0 My total Risk Score is RENEWAL NOTICE NEWSLETTER 10 PAGE 10 PAGE DEC PAGE ENVELOPE 19 BILLING STATEMENT

20 ICLR BASEMENT FLOODING CONTINUED Repair or upgrade to-do-list Important contact information Description Insurance company Address Poastal code Location Start date Completed Telephone Alternative telephone Repair Upgrade Replace $ Budgeted Actual cost Website Description Contact person Contact person Insurance broker or agent Location Start date Completed Address Poastal code Repair Upgrade Replace $ Budgeted Actual cost Telephone Alternative telephone Description Contact person Wesite Contact person Location Start date Completed Municipal government Repair Upgrade Replace $ Budgeted Actual cost Address Poastal code Description Telephone Alternative telephone Website Location Start date Completed Contact person Contact person Repair Upgrade Replace $ Budgeted Actual cost Plumber Important questions Address Telephone Alternative telephone Poastal code Website 12 Contact person Contact person 13 PAGE 12 PAGE A TOOLKIT FOR BROKERS

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