Preventing Water Damage

Losses resulting from water damage and ingress are a growing problem affecting many individuals, organizations and businesses alike. Climate change, outdated infrastructure, spring melting, water runoff, torrential rains, snow, tree roots, broken lines, accompanied with other weather related issues, are resulting in an increased probability of water damage and or sewer backup related losses occurring. To some extent, these losses can be averted, or minimized by taking some practical steps, more of which later.

What is a Backup?

A backup occurs when waste or debris has obstructed the plumbing system or lateral line allowing water to enter your building. When a backup occurs, the expense for cleanup and repairs is usually your responsibility. Most backups can be cleared with minimal problems and may or may not result in any damages to your property.

What is a Backflow?

A backflow is less common than a backup and happens when water or waste effluent come up through a sink or bathtub drain or toilet. This may be as a result of the city main being blocked, allowing wastewater to back up into your lateral line and so into the building.

If you experience a backflow, call your local municipality immediately. Even if the cause of the backflow damage lies with the city, you must act quickly to manage the cleanup. Unlike a backup, a backflow can cause serious damage, including flooding of a room or an entire basement resulting in substantial damages to both building and contents.

In some areas, flooding can cause sewage from sanitary sewer lines to back up into buildings. These backups not only cause damage that is difficult to repair but also create health hazards. A good way to protect your facility from sewage backups is to install a backflow valve.

Backflow Valves

These valves are designed to block drainpipes temporarily and prevent flow into the structure. Backflow valves are available in a variety of designs that range from simple to complex.

Gate Valves

One of the more complex designs, a gate valve provides a strong seal, but must be operated by hand. The effectiveness of this valve will depend on how much warning you have of impending flooding.

Flap or Check Valves

Among the simpler valves are flap or check valves, which will open to allow flow out of the building but will close when the flow reverses. These valves operate automatically but do not provide as strong a seal as a gate valve.

Note: If you have a sump pump, it may be connected to underground drain lines, which may be difficult to seal off.

Sanitary Sewer Systems

Sanitary sewer systems are designed to handle three types of waste products:

  • Used water
  • Human body waste
  • Toilet paper


So, what can be done to protect your facility from the damaging effects of water/sewer backup damage in the event that your local municipality’s storm drains become overwhelmed?

The following guidance will assist you in utilizing some of the technologies available today in order to make your facility less vulnerable to damage. In order to keep your sanitary sewer working properly, follow these simple tips:


  • Collect grease in a container and dispose of it in the garbage
  • Place food scraps in the garbage for disposal with solid waste
  • Place a wastebasket in the bathroom to dispose of solid waste. Disposable diapers and personal hygiene products do not belong in the sewer system.
  • Use a Backflow Prevention Device (BPD) as needed.


  • Pour grease, fats, and oils from cooking down the drain
  • Use the sewer to dispose of food scraps
  • Use the toilet as a wastebasket for garbage or chemicals. These items can kill good bacteria used for sewage treatment, cost much more to treat, and can re-enter the water supply
  • Plant trees with shallow, spreading root systems near your sewer lateral. Tree roots seek water sources, such as cracked sewer lines. Once the roots have penetrated the line through cracks, the roots can create a dense mat and trap materials.

Other considerations

  • Install wood skids on basement floors to be used as storage platforms. Keeping items elevated to a minimum of 6″ will prevent a lot of damage.
  • Use plastic bins to store items susceptible to water
  • Store valuables in upper levels
  • Keep items away from floor drains
  • Install one-way butterfly valves on all floor drains
  • Install steel modular shelving units
  • Avoid using the basement as a “catch all” for contents Disconnect downspouts and drains from the city lines, thus reducing the amount of water entering the city’s storm drains.

This advice or information is provided in good faith and is based upon our understanding of current law and practice. Neither Ecclesiastical Insurance Office plc nor its subsidiaries accepts any liability whatsoever for any errors or omissions which may result in injury, loss or damage, including consequential or financial loss. It is the responsibility of the Insured or any other person to ensure that they comply with their statutory obligations and any interpretation or implementation of the above is at the sole discretion of the Insured or other party who may read these notes.

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