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Water damage: Am I covered?

Your home was damaged by water

Accident or loss?

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Coverage

You're asking yourself: Am I covered? Learn more here about the coverage related to your incident.

Two ways to check your insurance coverage

Standard coverage

Although most of our home insurance policies provide all-risk coverage, some may cover only named perils. Refer to your policy to find out which type of insurance you have.

All-risk insurance to protect your property

With all-risk insurance, your property is protected against damage from most major accidents like fire, theft, vandalism and certain types of water damage.

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Damage to your cottage or seasonal dwelling

We offer a range of insurance products to meet our clients’ individual needs. Refer to your home insurance policy to learn more about your coverage.

Additional coverage

Each insurance policy is different. When you took out your policy, one or more of the following optional coverages may have been added based on your needs.

Water damage – Ground water and sewer back-up (Endorsement 16c)

Covers you against damage caused by sewer back-up and ground water seepage.

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Water service pipe breakage (Endorsement 51)

Covers repair costs in case your water service pipe breaks or malfunctions.

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Water damage – Above-ground water and weight of ice and snow (Endorsement 42)

Covers you against damage caused by water seepage through the roof and walls.

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Flood caused by the overflow of a body of water (Endorsement 16d)

Covers you against water that reaches the premises from the overflow of a body of water.

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Water damage – Ground water and sewer back-up (Endorsement 16c)

Covers you against damage caused by sewer back-up and ground water seepage.

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Flood caused by the overflow of a body of water (Endorsement 16d)

Covers you against water that reaches the premises from the overflow of a body of water.

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Water damage – Above-ground water and weight of ice and snow (Endorsement 42)

Covers you against damage caused by water seepage through the roof and walls.

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Still have questions?

Don't hesitate to call or email your claims advisor, who can explain the details of your insurance coverage.

Accident or loss?

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Call at 1-888-785-5502

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Find a recommended provider

Is immediate action required? Choose from our network of recommended providers. We take care of everything, and you get top quality service.

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Reasons to choose a recommended provider

  • Work gets started sooner
  • Detailed work plan, so you can track progress
  • Five-year warranty on work
  • Efficient, professional service
  • The information provided on this page is meant for informational purposes only. Full details regarding coverage and exclusions can be found in the insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.