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Key Takeaways Water source determines coverage type—internal, municipal, or external origins require different policies Standard homeowner policies exclude the most common and expensive water incidents Maintenance requirements can void coverage even with proper endorsements Complete protection requires understanding all three water damage categories Insurance policies treat different water sources as distinct perils, yet clients assume "water damage is water damage." With sew

Key Takeaways Use familiar concepts to explain unfamiliar risks Focus on water direction and source rather than technical system details Make financial impact relatable through everyday comparisons Connect protection maintenance to coverage validity in simple terms Clients disconnect when brokers use technical terminology, but they need to understand coverage that protects against 50% of flood-related claims averaging $43,000 each. Foundation Concepts: Start With Known Inform

Key Takeaways These questions identify the gap between perceived and actual protection Maintenance status matters more than equipment presence Age and neighborhood type create different risk profiles requiring different coverage approaches Most clients have significant knowledge gaps about their own protection systems Less than 1% of Canadians maintain their backwater valves regularly, yet 50% of flood payouts involve sewer backup. These five questions reveal whether your cli

Key Takeaways Infrastructure age determines system design and failure patterns Combined systems in older areas create higher backup probability Even modern separated systems can fail when connecting through older infrastructure "Newer equals safer" is a dangerous assumption—all systems have vulnerabilities Understanding Infrastructure Impact Neighbourhood age directly correlates with sewer system design, creating distinct risk profiles. The infrastructure beneath your client'

Key Takeaways Sewer backup is a major exposure for your clients and their policies Most homeowners live just 10-15 feet from potential sewage backup with no protection if they lack a functioning backwater valve Annual maintenance prevents most incidents, but less than 1% of homeowners do it Unlike weather events, sewer backups are largely controllable risks The Critical Numbers Your Clients Need to Know Numbers Your Clients Need to Know Your client's home sits just 10-15 feet