Insurance

Water damage coverage

Customized water damage coverage.

Here’s how it works.

• Sudden and accidental leakage of rain, snow or water through your roofs, walls, doors, windows or any other openings.
• Sudden and accidental discharge, backing up or overflow of water through eaves, downspouts, rainwater gutters or roof drains.
• Sudden and accidental seepage or an influx of surface or ground water through your basement walls or other basement openings (such as foundations, basement floors or sidewalks).
• Sudden and accidental discharge, backing up or overflow from your sewer connections (such as, ditches, sump pumps, septic tanks, leaching beds or other septic systems for wastewater, retention tanks, holding ponds or catch basins, weeping tiles/French drains).
• Rising of the water table; this is basically pressure coming from below ground and causing damages due to saturation from rain, snow, etc.

Our coverage does not apply to floods.

• You must have a home insurance policy with us (and satisfy its conditions).
• Your building must not be under construction, vacant or unoccupied.
• This coverage is conditional on the number of claims of this type you have filed and on the zone of risk in which your dwelling is located.
• You must not have had a continuous or repeated discharge or overflow of water in your home.
• Your home must not have sustained flood damage.
• Residents across Canada are eligible.

In case of discrepancy between the information provided on this website and your insurance policy, your insurance policy prevails.

Glossary

Catch basins
A receptacle at the entrance to a sewer which is designed to keep out large or obstructive matter. A catch basin can also be used to collect surface drainage or runoff.

Ditch
A long, narrow trench in the ground usually used for irrigation or drainage.

Flood
We define flood as waves, tides, tidal waves and the rising or overflow of any stream of water or body of water, whether natural or man-made.

Holding ponds
A structure built, often made of soil, to contain large volumes of liquid waste before its release into the environment.

Leaching beds
Wastewater from the septic tank flows into the leaching bed, which is typically a network of perforated plastic or clay (if older) distribution pipes laid in gravel trenches over a layer of soil. A soil filter uses natural processes to treat the waster water from the septic tank.

Retention tanks
Tanks that are used generally to hold liquid waste before its release into the environment.

Septic systems for waste water
A conventional septic system is generally made up of a septic tank and a leaching bed constructed in the soil. A fully functioning septic system receives all the wastewater created from household use (including toilets, showers, sinks, dishwasher, washing machine, and so on), treats the wastewater to a safe level, and returns the treated effluent to the groundwater system.

Septic tank
A sewage disposal tank is generally buried in your yard and breaks down organic material with bacteria. Generally speaking, a tank is used where there is no connection to a main sewer system.

Sump pump
A device that is used to remove water that has accumulated in a sump, which is simply a hole to collect water in your basement.

Weeping tiles/French drains
A trench in the ground that absorbs excess water. Generally speaking, it is built with loose stones covered in soil.