Insurance

Fighting your home's number-one enemy

Customized water damage coverage

Here’s how the coverage works.

Here’s what is covered exactly:

• 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 rising water on land due to saturation from rain, snow, etc.

Keep in mind that you may wish to buy other coverage specifically designed for:

• Aboveground water damage coverage

Our water damage endorsements do not cover floods.

Who’s eligible?

• You must have a home insurance policy with us and satisfy its conditions.
• Your home was not subject to flood damage (before, during or after)
• Your building is not under construction or vacant.
• You haven’t had a continuous or repeated discharge or overflow of water.
• You reside in Quebec.

In case of discrepancy between the information provided on this website and your Insurance Policy, your insurance policy prevails. Remember, the exclusions and limitations specified in your policy apply in all circumstances.

For more information, call 1 888 791 5346.

Glossary

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

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.

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.

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.

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

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.

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