How to File an Insurance Claim for Water Damage | Canada

Steps to File a Water Damage Insurance Claim in Canada

1. Notify Your Insurance Company: Contact your insurer immediately after discovering water damage to start the claims process.
2. Document the Damage: Take clear photos and videos of all affected areas and create a detailed inventory of damaged items.
3. Keep Receipts: Save receipts for any expenses related to temporary repairs or accommodations.
4. Work with Adjusters: Cooperate with the insurance adjuster assigned to your claim and provide all necessary documentation.

Common Mistakes to Avoid When Filing an Insurance Claim

• Delaying Permanent Repairs: Avoid making permanent repairs before the adjuster's assessment to prevent claim denial.
• Lack of Cost Estimates: Obtain estimates for repair costs before meeting with the adjuster.

Is It Worth Claiming Water Damage on Home Insurance?

Home insurance should be used for significant, unforeseen damages. Consider the following:

• Assess the Damage: Ensure the repair costs exceed your deductible and justify filing a claim.
• Impact on Premiums: Filing a claim can lead to increased premiums, so reserve claims for substantial losses.

Will My Insurance Premium Increase After a Claim?

Yes, filing a claim can result in higher premiums upon renewal, even if the incident was not your fault.

Do I Pay an Excess If the Incident Was Not My Fault?

Yes, you typically need to pay the deductible, but if the insurer recovers the full cost from the responsible party, you may be reimbursed.

Common Home Damages Not Covered by Insurance in Canada

Standard homeowners insurance policies exclude:

• Government action
• Home-based businesses
• Intentional damage by residents
• Mold
• Pest infestations
• Poor maintenance or neglect
• War
• Valuables beyond coverage limits