Will the City pay for my damage?

The law in British Columbia does not make a municipality, including the City of Coquitlam, legally responsible to ensure that its sewer systems never experience a breakdown or malfunction. Section 744 of the Local Government Act, R.S.B.C. 2015, c.1 provides that a municipality is not legally liable for damages that arise from a breakdown or malfunction of a sewer system. The municipality must be negligent in its maintenance of the system to be liable. The City cannot entertain claims for compensation in a case where there is an absence of negligence. Additionally, your right to make a claim against a municipality is time limited and you must provide written notice of a claim within two months from the date of the incident (Section 736 of the Local Government Act, R.S.B.C. 2015, c.1).

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1. How should I deal with a sewer back-up?
2. Should I call my insurance company?
3. Should I contact the City?
4. Will the City pay for my damage?