Water damage: covered or not?
Most water damage is insurable. The proof: water damage is the leading cause of home insurance claims in Quebec.
Damage from flood water or flooding from a body of water is not covered.
Some coverage is automatically included in your home insurance policy, while other coverage must be added.
For example, damage caused by a break in a water main carrying drinking water or by an overflowing washing
machine or leaky hot-water tank is covered under your policy.
To insure yourself against sewer back-up or water seepage through the foundation, you must add the coverage to
your policy (if damage is caused by seepage from ground water or from a sewer). The same applies to damage caused
by rain or snow which seeps in through the roof, doors or windows (for above ground water damage).