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Excess Loss Deductible Coverage for Water Damage and Sewer Backup Claims


Insurers have substantially increased water damage and sewer backup deductibles on the building insurance policies arranged for residential Strata Corporations.

If the water damage emanates from within an individual unit in the building and not from the common property, Unit Owners can be held responsible to pay these high deductibles.


Unit Owners can purchase deductible assessment insurance under their personal condominium unit owner’s insurance to cover this exposure.  However, in many instances, this is capped at anywhere from $25,000 to $100,000, which may not be enough to keep up with the increasing Strata Corporation deductibles.


Chutter Underwriting Services has arranged coverage for our brokers to provide to their customers that can increase the condo Unit Owners water damage deductible coverage up to $250,000.

Our excess coverage increases the Unit Owners limits available should the Unit Owner be found to be liable and is responsible for the Strata Corporations deductible.

Brokers can log on to our online portal to complete the application, obtain a quote document, bind coverage and issue policy documents.


  • Available for Unit Owners living in their unit.

  • Available for units rented to a single family with a signed annual lease.

  • Coverage is not available to Unit Owners offering short term rentals of less than 1 year.

  • Coverage is not available for units where there has been a prior water damage loss.

  • Coverage is in excess of the deductible coverage afforded under the primary Unit Owners policy, and will only be triggered once payment has been made under the underlying Unit Owners policy and the available limits are exhausted.

  • Available only in BC, Alberta, Saskatchewan, Manitoba and Ontario.

For Sample Declarations Page and Policy Wordings Click Here.





For full eligibility criteria and to register for our excess water damage coverage please click here.

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