Overland Water Protection is a product covering damage caused by water that suddenly accumulates and enters your property during weather events such as heavy rains, spring run-off, or overflowing lakes and rivers.
Aviva and Intact Introducing Overland Water Protection
With tens of thousands of Canadian suffering losses from water damage in recent years, Water Protection offers timely coverage for you. This coverage can be added as an endorsement to existing personal property policies.
This new product covers damage caused by water that suddenly accumulates and enters your property during weather events such as heavy rains, spring run-off, or overflowing lakes and rivers.
Overland Water goes hand in hand with the water coverage in your base policy and sewer backup coverage.
Both Overland Water Protection and Sewer Backup coverage’s are optional. These options and coverage are different for Aviva and Intact.
Aviva offers sewer backup with the option to add overland water protection in addition to sewer backup.
Intact offers the water protection as a package deal, (sewer backup, water protection and overland water protection (limits apply.)
Overland Water Eligibility
The Overland Water Endorsement is available to the vast majority of customers and can be added to eligible or qualifying policies for new business, at renewal or mid-term.
However, there will be a few people who live in areas that are very highly prone to overland water where this offer of coverage will not be offered.
As well, properties located within 100 meters of a river or with a reverse slope driveway are not eligible for the Overland Water Endorsement
Contact us to go over the differences in the water protection to see which coverage is best for you. 403-678-5122
Riverstone Insurance was presented the Customer Service Award at the Canmore Business & Tourism Gala by the Alberta Treasury Branch on September 21, 2015.
The following is the submission for nomination by ProStar Restorations’ Jodi Scarlett.
September 11, 2015
Re: Riverstone Insurance Nomination for Customer Service Award
On Saturday, June 27, the morning after the gas line explosion rocked the town of Canmore, I received a call from Vicki Young of Riverstone Insurance asking for support in assisting her clients recover from the damage to their properties.
I arrived in Canmore to find Vicki, as well as her office manager, Kate, in the office bright and early on Saturday morning. They had pulled a list of every insured in their database within a 3-block radius of the explosion. By early morning they had already contacted each client by phone to inquire about the impact of the explosion and their needs. Claims were opened the same day and the insurance process was rolling.
Vicki then proceeded to personally visit each impacted property owner. She was friendly and helpful, making sure that each client’s immediate needs were triaged. This ranged from helping one client, whose garage door wouldn’t open after the blast, to ensuring that clients who were close to the blast site had been able to secure emergency accommodations.
The service did not end here. Vicki visited the town officials who had a triage site set up outside the Seniors’ Center and helped provide water to residents, volunteers and town officials.
When the triage site opened, Vicki was right there and made sure that all home owners (many of whom were not even her insureds) knew about additional items they needed, such as boxes and checklists of emergency supplies, before leaving their properties for alternate accommodation.
Vicki worked tirelessly all weekend helping out however she could. She performed all kinds of tasks—from helping her insureds pack boxes of belongings they needed to using her firearms license to safety transport some of her clients’ firearms. Her presence on site provided so many people comfort in knowing the their insurance brokerage actually had a live person present on site who was responding to their needs and making sure things would move forward smoothly.
After the immediate needs died down, Vicki continued to go above and beyond on the service front. One client who was displaced from her home had been growing large elaborate planters in her yard for months before to the explosion, in preparation for her son’s wedding they were planning to host in the backyard. The client was devastated that her planters might die not being attended to at the property during the upcoming months of clean-up and repairs. After learning of the situation, Vicki made emergency calls to the insurer and arranged coverage to have the planters transported to an alternate location at a friend’s property where they could be cared for over the balance of the summer. When the client was unavailable to meet the truck for the flower delivery, Vicki left her office and met the truck to ensure the flowers arrived safely.
Vicki has followed up each week since the explosion personally to ensure that appropriate progress is being made on her insureds’ repairs and to ensure the insurance process is moving along smoothly.
I have worked in the insurance restoration business for 14 years now, and in my time I have never seen an insurance broker that became so involved in servicing her clients in an emergency situation. From opening her office on weekend hours, to contacting clients to inquiring on the need for a claim before even receiving a call, to personally helping on the emergency site, to ongoing follow up on meaningful details after the event, Vicki has truly gone above and beyond.
I hope you will consider her for this award for which I believe she is most deserving!
Jody Scarlett – President
ProStar Cleaning and Restorations Inc.