SGI CANADA offers tips for customers dealing with flood damage
June 30, 2014
With some communities across the province dealing with flooding after summer storms and many others facing the risk, SGI CANADA is providing information on what to do in the event of a sewer backup claim or flood damage to a vehicle.
“We do everything we can to help customers dealing with sewer backups and flood damage,” said SGI CANADA President Andrew Cartmell. “Take care of yourself and your family and make sure everyone is safe. When you are able, contact your insurance broker to file your claim and begin the process. If there are higher than normal claim volumes, we will assign additional adjusters for your area.”
If you are unable to report your claim to your broker please contact SGI CANADA directly so that we may help direct your claim and coordinate with your broker.
During regular office hours
Monday - Friday: 8 a.m. - 4:30 p.m.
1-800-667-8015 (toll free)
What is and isn’t covered
Residential overland flooding that damages buildings is not covered by insurance. Sewer backup is covered, provided you have the optional coverage in your home insurance policy.
We can’t speak for other insurance companies, but if you’re an SGI CANADA customer:
- Sewer backup is when water enters a home through a drain connected to a public or private sewer system. The water will typically be gray or brown in colour.
- Flooding is when surface water comes into a home but does not enter through a plumbing or sewer system. Water is typically clear in colour and may come in through a window well or seep in through the wall or floor.
If a state of emergency is declared in your area and you are applying for provincial disaster assistance, it may be necessary to file a claim even if the damage was caused by flooding. Some provincial disaster assistance plans require proof that your claim was denied by your insurance company.
Once you file your claim
While waiting to see an adjuster, take steps to protect your property from further damage or loss, but only if it is safe to do so.
SGI CANADA suggests that you:
- Clean up as soon as possible. Seek professional advice on how to clean up and take whatever reasonable steps you can to minimize further damage to your property.
- Don’t throw anything out. Store damaged items in a reasonably safe place so the adjuster can see them when he or she arrives.
- Have any appliances (including furnaces) that have come in contact with water checked by a qualified electrician, dealer or serviceperson before you use them.
- Do not touch any electrical systems or panels until you know it is safe to do so, especially in wet or damp conditions.
- Move damaged belongings to a dry area with good ventilation.
Property owners should keep track of cleaning expenses as they will be covered through the insurance claim. SGI CANADA also encourages customers to take photographs or video of their damaged property to give to their adjuster.
What to do for vehicle damage
Customers who have vehicles damaged due to flooding can file an auto claim online using the SGI Auto eClaim service. Or, you can call the nearest SGI Dial-A-Claim Centre to file a claim and set up an appointment with an auto adjuster. A list of Claim Centres can be found at the front of the SaskTel phone book.
For more information, including what is and isn’t covered when it comes to flooding and when you should file a claim, visit SGI CANADA’s website.
Saskatchewan Government Insurance (SGI) is the province's self-sustaining auto insurance fund. SGI operates 21 claims centres and five salvage centres across Saskatchewan with a head office in Regina. SGI also works with a network of over 400 motor licence issuers across the province. Customers can now do some transactions online. Look for the MySGI link under Online Services on your motor licence issuer's website or SGI's website.