Floods: filing your claim

Your home is flooded by an overflow of a body of water. What to do?

Contact your private insurer first to check your insurance coverage.

You don’t have insurance
that covers flooding caused by an overflow of a body of water.

The Ministry of Public Safety (MSP) will compensate you. It offers assistance for essential belongings, based on specific criteria. See the MSP's website for all the details.

Key stages:

  • Request written confirmation from your insurer;
  • Contact MSP;
  • Keep all invoices for disbursements made to avoid further damage and meet your needs.

You have insurance
that covers flooding caused by an overflow of a body of water

If the losses incurred are less than the coverage purchased, your private insurer will compensate you in full.

If the losses incurred exceed the coverage purchased, you will be compensated by your private insurer and the MSP, which offers assistance for essential belongings, based on specific criteria. See the MSP's website for all the details.

Key stages:

  • Validate the coverage amount with your insurer;
  • If the damage exceeds your coverage amount, also contact MSP;
  • Keep all invoices for disbursements made to avoid further damage and meet your needs.

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