The answer is yes and no – it depends on how the flood happened. Do you know if your home insurance covers a flood due to a sewer back-up? What if a storm causes water to seep into your basement – is that covered? No matter where the water comes from, a flooded basement is a costly clean-up, so here’s what you need to know about protecting your home.
If a widespread flood happens, it may be serious enough for our provincial or federal government to offer assistance but those are fairly rare occurrences and there is certainly no guarantee of government assistance.
For a more local flood that affects your house alone or maybe some neighbours as well, you will be dealing with the clean-up on your own. Hopefully you will get help from your insurer too but that depends on the cause of the flood as follows:
Our home insurance experts can confirm what flood protection you already have and what optional protection you might want to consider. For free advice and no obligation quotes, contact Mitchell & Whale Insurance Brokers at 1-800-731-2228 or email us at firstname.lastname@example.org. We’d be happy to help you.
Want to add to this story? Let us know in comments below! Mitchell & Whale is a fast-growing insurance brokerage in Ontario, striving to make insurance _not suck_ one customer at a time. Give us a call today to discuss any of your insurance needs at 1.800.731.2228.
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