Because of Thunder Bay’s location on Lake Superior, the city’s homeowners may want to consider including flood and sewer back-up coverage. These aren’t part of standard home insurance policies, but are often available as optional add-ons.
Insurance providers distinguish between different types of flood damage protection, including tidal flooding and overland flooding. Make sure you understand what types of coverage are available and what they cover.
Sewage backup commonly occurs during floods, so homes at risk of flooding may also want protection against this peril.
Water in many forms is a frequent source of damage to homes. Insurance companies have many different terms and categories for different types of water damage.
Usually only certain kinds of water damage are covered under your policy. It’s worth discussing this with your home insurance provider so you understand what is and isn’t covered and what optional coverage may be available if you want it.