What Is and Isn’t Covered

• Sewer backup is when water enters a home through a drain connected to a public or private sewer system. The water will typically be gray or brown in colour.
• Flooding is when surface water comes into a home but does not enter through a plumbing or sewer system. Water is typically clear in colour and may come in through a window well or seep in through the wall or floor.

Once You File Your Claim

• Clean up as soon as possible. Seek professional advice on how to clean up and take whatever reasonable steps you can to minimize further damage to your property.
• Don't throw anything out. Store damaged items in a reasonably safe place so the adjuster can see them when he or she arrives.
• Have any appliances (including furnaces) that have come in contact with water checked by a qualified electrician, dealer or serviceperson before you use them.
• Do not touch any electrical systems or panels until you know it is safe to do so, especially in wet or damp conditions.
• Move damaged belongings to a dry area with good ventilation.