No one likes to think about sewage backing up into their home, but it’s a real and costly risk—especially during heavy rainfalls or sudden snowmelts in Alberta. A sewer backup can lead to extensive damage, significant repair costs, and a major disruption to your daily life.
At Bulger Insurance, we want to help you understand the risks and learn how to protect your home.
What Is a Sewer Backup?
A sewer backup occurs when water and sewage from the main sewer line backflow into your home through drains, toilets, or sinks. This can be caused by:
- Blockages in the municipal sewer system
- Tree root infiltration
- Broken or aging pipes
- Excess water from storms that overwhelms the system
The result? Damage to floors, walls, furniture, electrical systems—and a hefty repair bill.
What’s Covered by Insurance?
Standard home insurance policies don’t always include sewer backup coverage. That’s why many homeowners in Alberta choose to add an optional sewer backup endorsement to their policy.
This type of coverage can help pay for:
- Clean-up costs
- Repairs to your home and contents
- Replacing damaged appliances or furniture
- Temporary accommodations if you can’t stay in your home
How Much Could It Cost?
The average cost of a sewer backup claim in Canada is over $40,000—and that number continues to rise due to more frequent extreme weather events.
How Can You Reduce the Risk?
There are steps you can take to lower the risk of a backup:
- Install a backwater valve and sump pump
- Keep your gutters and downspouts clear
- Avoid pouring grease or flushing inappropriate items
- Have your sewer line inspected regularly
Don’t Wait Until It’s Too Late
Sewer backups aren’t just messy—they’re expensive. Talk to your Bulger Insurance advisor today to find out if you have the right coverage and what steps you can take to prevent a costly disaster.
