Chatham’s proximity to water — Lake Erie, Lake St. Clair and the Thames River, which flows through it — make flooding a concern for the city’s homeowners.
Most home insurance policies don’t cover flood damage or sewage backup, which often occurs during flooding. However, homeowners can choose to add special coverage to protect against these perils. Most insurance providers offer these coverage types as optional add-ons.
Ask your insurance company for detailed information about their flood damage protection. Different types of flood insurance cover different things.