Does home insurance cover water damage?

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Water damage is one of the most common and costly problems homeowners face in Canada. Whether caused by a burst pipe, a leaking roof, or flooding from a heavy rainstorm, water damage can leave you with expensive repairs and a lot of stress. So, does home insurance cover water damage? The answer depends on the type of policy you have and the source of the water.
Let’s dive into the details so you can understand your coverage and ensure you’re protected against life’s unexpected challenges.

What types of water damage does home insurance cover?

Most standard home insurance policies in Canada cover certain types of water damage. Here are the most common scenarios:

1. Burst pipes and accidental leaks

If a pipe bursts in your home or an appliance like a washing machine malfunctions and causes water damage, your home insurance will likely cover the repair costs. However, the key here is “accidental and sudden.” Damage caused by neglect or a lack of maintenance is usually not covered.

2. Roof leaks

If water enters your home due to a roof leak caused by a covered peril, like a storm or falling tree, your policy may help cover the repairs. However, ongoing leaks due to wear and tear or poor maintenance are generally excluded. Most companies have limitations on roofs as far as replacement coverage. Roofs are generally repaired on an actual cash-value basis. The damage caused inside your home by the water leak is generally repaired on a replacement cost basis.

3. Water damage from extinguishing a fire

In the unfortunate event of a house fire, your home insurance typically covers water damage from fire-extinguishing efforts.

What about flood insurance?

One of the biggest misconceptions about home insurance is that it automatically includes coverage for floods. Unfortunately, standard home insurance policies in Canada usually do not cover flood damage caused by overflowing rivers, heavy rainfall, or rapid snowmelt.

If you live in an area prone to flooding, consider adding Overland Water coverage to your policy. This optional coverage protects your home and belongings from damage caused by surface water that enters your home through doors or a basement window. It’s a crucial add-on for homeowners in flood-prone areas.

Does home insurance cover sewer backups?

Another common cause of water damage is sewer backup. If sewage or water backs up into your home due to an overloaded municipal system or a blocked pipe, the damage can be extensive and unpleasant. Many home insurance policies offer optional Sewer Backup coverage, which may also cover a loss from an overflowed toilet, which can result in considerable damage to flooring, ceiling and walls.

What isn’t covered by home insurance?

Understanding what isn’t covered is just as important as knowing what is. Here are some scenarios typically excluded from standard home insurance policies:

  • Gradual damage or neglect: Leaks that develop over time due to poor maintenance are not covered.
  • Groundwater seepage: Water entering your home through cracks in the foundation is usually excluded.
  • Intentional damage: Any damage caused intentionally is not covered.
  • Flooding: As mentioned earlier, flood insurance or overland water is an add-on and not part of standard policies.
  • Sewer backup: Any damage caused by sewer backing up into your house is an add-on and not part of standard policies.

Protecting your home from water damage

Prevention is always better than dealing with the aftermath. Here are some tips to help protect your home:

  • Maintain your plumbing: Regularly inspect your pipes, water heater, and appliances for leaks or damage.
  • Clean gutters and downspouts: Ensure water can flow freely away from your home.
  • Install a sump pump: This device can help prevent basement flooding.
  • Seal cracks in your foundation: Keep water from seeping into your home.
  • Consider a backwater valve: This device can help prevent sewer backups.

Scheduled articles coverage for water-damaged belongings

If water damage affects your personal belongings, coverage for scheduled articles may come into play. Some policies offer additional coverage for electronics, appliances, and other high-value items that water could damage. Check with your insurer to ensure your valuables are protected.

Curious about how scheduling an item can complement your home coverage? Contact Westland Insurance to learn more.

Steps to take after water damage

If you experience water damage in your home, here is what you need to do:

  1. Ensure safety first: If necessary, turn off the water supply and electricity.
  2. Document the damage: Take photos and videos of the affected areas.
  3. Contact your insurer: Notify your insurance company as soon as possible to start the claims process.
  4. Mitigate further damage: Take steps to prevent the damage from worsening, such as drying out wet areas or moving belongings to a safe spot.
  5. Get professional help: Hire professionals to assess and repair the damage.

Why choose Westland Insurance?

At Westland Insurance, we understand that water damage can be overwhelming. We’re committed to helping you find the right coverage to protect your home and belongings. Our knowledgeable advisors take the time to understand your needs, offering tailored solutions that provide peace of mind.

Whether you’re looking for standard home insurance or optional add-ons like Sewer Backup coverage, we’re here to help.

Ready to protect your home from water damage? Start a quote with Westland Insurance today