Understanding Your Home Insurance Policy: What’s Covered in a Flood?

Flood insurance can be confusing. Here’s what Ontario homeowners should know:

• Standard Policies: Usually don’t include flood or sewer backup by default
• Overland Water Coverage: May be available as an optional add-on
• Sewer Backup: Needs a separate rider or endorsement
• Exclusions: Damage due to neglect or poor maintenance may be denied
• Review Your Coverage: Speak to your insurer annually to understand what’s protected

Need help interpreting your policy after a flood? Our water restoration experts can guide you through it.

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