Flooding in Grande Prairie
Alberta has long been known for its history of floods. Unlike in other parts of Alberta, Grande Prairie has never experienced massive flooding, but they have dealt with their share of wet basements as a result of ice damming.
Other communities near Grande Prairie haven’t been so lucky. In 2011, around 30 households were flooded in Sexsmith when the town received 32 millimetres of rain in just two hours. With no overland water insurance, residents, small business owners and farmers who experienced loss and uninsured damage due to flooding had to turn to the government for assistance.
The Overland Water Endorsement is now available to most homeowners in Alberta and we can all take comfort in knowing that there is financial protection available.
65% of Grande Prairie homes at risk for floods are not covered by flood insurance.
Why should I consider purchasing fresh water flood Insurance?
Flooding is the most common type of natural disaster in Canada1 and many homeowners assume coverage for flood related losses is included in their standard home insurance policy. For the first time, you can have the peace of mind that your home and possessions are protected in the event of a flood related loss.
1Source: Canadian Disaster Database
Contact us today to speak with a licensed insurance broker about:
- Whether or not you qualify for coverage
- Exactly what is covered
- How to add the endorsement to your home policy
- What your monthly premiums would be
- Understanding fresh water flood insurance
Should I purchase an Policy with an Overland Water Endorsement?
Water damage due to the overflow of riverbanks and excessive rain has been an increasing concern for many Canadians, especially …more
How much does an Overland Water Endorsement cost?
The cost of adding an Overland Water Endorsement to your home, condo or tenant’s insurance policy depends primarily on your …more
Is Overland Water Coverage available where I live?
Overland Water Endorsements are available to most homeowners, condo owners and tenants in Alberta, but a small percentage of dwellings …more
Do I still need flood insurance if I am a renter?
We recommend that you add Overland Water Coverage to your tenant’s policy, especially if you live on the ground level …more
What’s the difference between the Sewer Back-up Endorsement and the Overland Water Endorsement?
A Sewer Back-up Endorsement and an Overland Water Endorsement are two very different types of coverage. Sewer Back-up covers damage …more
What is an Overland Water Endorsement?
Home, condo and tenant’s insurance policies typically do not include overland water damage coverage. Due to the increase in water-related …more
Why is this coverage being offered now?
Until now, fresh water disasters such as flooding were excluded from home insurance policies because the risk levels are so …more
What is covered by an Overland Water Endorsement?
Most Overland Water Endorsements will cover losses resulting from damage to your house, condo and contents cause by fresh water …more
What’s the difference between an Overland Water Endorsement and “flood insurance”?
Historically, the term flood in the Canadian insurance industry applies to water originating from a body of salt water, while …more
Why should I contact floodinsurance.ca to purchase Overland Water Coverage?
Two of Canada’s top brokerages, Sharp Insurance and Rogers Insurance, have partnered to provide you with the most comprehensive fresh …more
Do I need flood insurance if I don’t live in a high risk area?
As we saw in 2013, flooding causes billions in damages and can devastate an entire community. Water damage can happen …more
How would I make an overland water claim?
Once you have added Overland Water Coverage to your insurance policy, you will be given a phone number for a …more
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