The following water damage coverage is standard in any home insurance policy:
- Water that comes from a burst pipe in the house (unless it burst because it froze)
- Water that escapes suddenly from a water container like a toilet, bathtub, waterbed, dishwasher or pool
- Water that enters the house because of another event that is covered, like if a tree falls and damages your roof, and then rainwater gets in
- Water that gets into the attic because ice buildup on your roof doesn’t allow it to drain properly (this is called ice damming)
- Water from a public water main that bursts
The following coverages are not standard, and where available, need to be added by endorsement:
- Sewer backup – Water that enters the house through toilets, sinks, etc.
- Overland flood – Water that enters the house through windows and doors
- Groundwater – Water that seeps in through basement floors and walls
You can learn more about water damage insurance in Ontario here.