This endorsement is offered only in conjunction with the Water Damage—Ground Waters and Sewers endorsement and is subject to certain conditions.
Contact your damage insurance representative to check your eligibility.
Yes, the “Additional living expenses” coverage may apply if you are ordered to evacuate by the civil authorities, or if they prohibit you from accessing your home. Reimbursement of these expenses is subject to a maximum amount specified in your insurance contract.
Yes, the endorsement includes exclusions. For example, damage caused by a tidal wave, tsunami, seiche, storm surge or any resulting water movement is not covered by this endorsement.
Yes, the endorsement covers, among other things, outdoor trees, shrubs, plants and lawns on the insured premises. If your landscaping is damaged, the indemnity is subject to a maximum amount specified in your insurance contract.
Several amounts are offered based on certain criteria. It is important to determine the right amount of insurance for your situation. You can do this by considering, among other things, damage necessitating:
This additional coverage covers damage caused by overflows of bodies of water, as described in the first question.
The endorsement also covers additional expenses incurred, for example, if you must relocate or leave your home because it becomes unusable, or if you receive an evacuation order.
Examples:
This refers to sudden and accidental damage to your home or property when a stream or body of water, whether natural or man-made, overflows and reaches the insured premises (e.g. rising water, dam break, flood caused by the overflow of a river).
Because insurers use the premiums paid by all their policyholders to compensate those who submit claims to them. So even if you haven’t made a claim in quite some time and your situation hasn’t really changed in the past year, your premium could still go up.
If your water heater is over 14 years old, Promutuel Insurance recommends replacing it to limit the risk of water damage caused by a leak or breakage. Since the majority of home insurance claims are due to water damage, your insurer could, for example, require you to replace the unit to maintain your coverage or suggest you add an endorsement to provide a higher deductible in case of water damage caused by a water heater leak or breakage.
The average lifespan of a water heater is 10–15 years. However, it can vary depending on the water quality, the model you have, and the maintenance that’s been done.