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Overland Flood 2017-03-18T15:40:25+00:00

What is Overland Water?

Water that accumulates upon or submerges land which is usually dry resulting from the unusual and rapid accumulation of run off surface waters from any source, including torrential rainfall and snow melt. It also includes the rising, breaking out or overflow of any body of fresh water.

Overland Water Insurance does not provide coverage for flooding caused by waves, tides, tidal waves, tsunamis or the rising, breaking out or overflow of any body of salt water – whether natural or man-made.

To learn more about Aviva Overland Flood Insurance, visit our Blog


Overland Water Insurance Coverage

Loss or damage resulting directly from overland water, such as physical damage to the exterior or interior of the dwelling.
Loss or damage resulting from the sudden and accidental entrance of overland water through foundations, basement walls or basement floors.
Loss or damage caused by sewer back up resulting from overland water.

Overland Water Insurance Eligibility

Coverage is available for purchase where the existing qualifying risk has sewer back up coverage, regardless of limit.
Coverage is designed and priced for a full year of protection, if coverage is deleted the customer will have to wait 12 months to purchase this endorsement again.
Coverage will not be available for dwellings located in the very high risk zones, with a reverse slope driveway or located within 100m of a river or other flowing water with a usual width of 5 meters or more.*

*An exception will be allowed if the lowest level of building has an elevation at least 10 meters above the usual water level.


Frequently asked questions

Why is the coverage called “Overland Water Insurance” and not “Overland Flood Insurance”?

It was called this by Aviva as they wanted to differentiate between the two terms. In the endorsement wording, Overland Water is defined as fresh water from rivers, lakes or water suddenly accumulated as a result of heavy rainfall. Whereas, Flood refers to coastal flooding from salt water – such as from Tsunamis and Tidal Waves (which are NOT intended to be covered).


Is there any plan to introduce Flood Coverage for those living in Costal areas?

Currently no. The reason being that there is currently no way to adequately assess and predict coastal flooding for this type of exposure.

If I do not purchase the Overland Water Endorsement and an event happens which causes both sewer back-up and overland water how will coverage be determined?

Sewer back-up and overland water coverage work in conjunction with one another. In this situation the overland water endorsement would pick up the loss. If you did not purchase overland water, there would be no coverage if the claims adjuster was able to determine the water had entered the home via overland water.


Does Aviva provide coverage to help prevent loss from Sewer backup?

If you have a loss that they cover, they have added a special feature that provides up to $1,000 towards the cost of a device to help protect you from future sewer back-up loss.