Am I covered for water damage?


Well it is that time of year again…Spring!…which usually means a lot of water. This was posted last year but we think it is worthy of a re-post. Be sure to understand the type of water coverage that you have on your insurance policy. Don’t forget to check out the tips to prevent water damage at the end of the post.


There is a common misconception that floods are covered by insurance policies. This is not true. Insurance policies only cover specific types of water damage. It is important for you to know what types of water damage your policy covers.


Three common questions about water damage insurance coverage:

Am I covered for water damage?

Some types of water damage are covered in your policy and more coverage is available if you have Extended Water Coverage as part of your Co-operators policy. Contact your Co-operators insurance advisor for more information on the coverage your policy includes.

Do I have flood insurance?

A flood, according to the Insurance Bureau of Canada, is defined as water flowing overland and seeping in through windows, doors, and cracks. While you can purchase extended water damage coverage with our home policies, which covers things like sump pump backup, home flood insurance is not available with most Canadian insurance companies.

Does my insurance policy cover mold?

Most home insurance policies do not cover mold, which can cause damage to your property and cause health problems, particularly for those with asthma or allergies. Controlling indoor moisture is the best way to prevent mold which forms on damp areas like bathroom walls, basements, and wooden window frames. If you discover mold, hire a restoration contractor experienced in removing it safely.

For more information on water damage coverage or if you have any questions, we invite you to contact our office or visit us online.

Water damage prevention tips

Tips to prevent or minimize water damage to your property provided by the Insurance Bureau of Canada.


Flooded basements can be caused by:

  • Improper disposal of materials such as fats, oils, grease, and diapers
  • Tree roots growing through cracks in the waterlines and causing blockages
  • Sewer backups caused by overloaded storm water and sanitary sewer infrastructure
  • Frozen water pipes
  • Vandals blocking lines with bricks, wood, oil filters, and bed springs
  • Illegal hookups allowing excess water into the lines. Outside stairwell drains, sump pumps, roof leaders, and drain gutters should never be connected to the sewer system

What you can do to avoid a flood in your house:

  •  Keep floor drains clear of obstruction.
  • Arrange to have someone check your property if you are going to be away from home for more than three days.
  • Ensure that there is proper grading around your home.
  • Install a sump pump.
  • Install backflow valves or plugs for drains, toilets, and other sewer connections to prevent water from entering the home.
  • Store important documents and irreplaceable personal objects where they will not get damaged.
  • If you will be away from home during the winter for more than three days, drain the plumbing or arrange to have someone come in daily to check your home to ensure that your heat is still on.
  • Elevate furnaces, hot water heaters, and electrical panels in the basement on masonry or relocate these objects.
  • Avoid finishing areas like basements that may be prone to flooding.

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