I suffered a flood: what does insurance cover?

Have you suffered damage following torrential rain? What does your home and car insurance cover?

Home insurance coverage

Water damage - Groundwater and sewage covers:

• Water from leaks, overflows or backups of French drains or sewers;
• Ground or surface water entering or seeping into the building.
  

Water damage - river overflow covers:

• Water resulting from the overflow of a river;
  

Water damage - Water above ground covers:

• Water seeping through roofs, walls, doors and windows.

As the offer varies from company to company, as do underwriting criteria and coverage amounts, IBC recommends that policyholders who have suffered damage contact their insurer.

Automobile insurance

Flood damage is covered if you have purchased “All Perils”, ‘Comprehensive’ or “Specified Perils” coverage. This is the case for many drivers.

Is your home uninhabitable?

If your home suffers damage that prevents you from living there following the loss, these costs - for example, for lodging, food and transportation - are covered by your policy for the period required for repairs. Consult your insurer to find out the maximum reimbursement you are entitled to for these expenses.

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