Does your insurance cover flooding? What consumers need to know after weekend storms hit Montreal and Edmonton

Recent heavy rains caused significant flooding in Montreal and Edmonton over the weekend, prompting insurance experts to advise Canadians nationwide to review their policies. The experts stress the importance of understanding what specific coverage is included for flood damage, urging consumers to check their policy details to ensure they are adequately protected.

This advisory comes as a reminder that standard home insurance policies may not automatically cover flood damage. Many policies require a specific endorsement or separate policy for comprehensive flood protection. Without this, homeowners could face substantial out-of-pocket expenses for repairs and replacements.

Consumers are encouraged to contact their insurance providers directly to clarify their coverage. This includes understanding deductibles, coverage limits, and any exclusions that might apply. Being informed about these details can prevent unexpected financial burdens in the event of a flood.