Natural disaster and other incident: Am I covered?

Your home was damaged

What is the coverage offered by your home group insurance when your home is damaged by a natural disaster?

Accident or loss?

Count on us 24/7


You're asking yourself: Am I covered? Learn more here about the coverage related to your incident.

Two ways to check your insurance coverage

Standard coverage

Although most of our home insurance policies provide all-risk coverage, some may cover only named perils. Refer to your policy to find out which type of insurance you have.

Property Damage Coverages with All-risk Insurance

With all-risk insurance, your property is protected against damage from most major accidents like fire, theft, vandalism and certain types of water damage.

Damage to your cottage or seasonal dwelling

We offer a range of insurance products to meet our clients’ individual needs. Refer to your home insurance policy to learn more about your coverage.

Additional coverage

Each insurance policy is different. When you took out your policy, one or more of the following optional coverages may have been added based on your needs.

Water damage – Ground water and sewer back-up (Endorsement 16c)

Covers you against damage caused by sewer back-up and ground water seepage.

Flood caused by the overflow of a body of water (Endorsement 16d)

Covers you against water that reaches the premises from the overflow of a body of water.

Water damage – Above-ground water and weight of ice, snow or sleet (Endorsement 42)

Covers you against damage caused by water seepage through the roof and walls.

Water service and sewer line breakage (Endorsement 51)

Covers certain repair costs if your water service or sewer line breaks or malfunctions.

Swimming pool and hot tub (Endorsements 33a or 33b)

Protect your above ground, semi-inground or inground swimming pool or hot tub against certain types of damage caused by things like freezing or the weight of ice or snow.

Escape of fuel oil (Endorsements 46b and 46c)

Covers damage caused by fuel oil spillage and covers soil decontamination.

Still have questions?

Don't hesitate to call or email your claims advisor, who can explain the details of your insurance coverage.

Accident or loss?

Count on us 24/7—by phone or online

Find a recommended provider

Need help fast? Choose from our network of recommended providers. We take care of everything, and you get top quality service.


  • Emergency cleanup
  • Renovation


Reasons to choose a recommended provider

  • Work gets started sooner
  • Detailed work plan, so you can track progress
  • Five-year warranty on work
  • Efficient, professional service

The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the home insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.