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Flooding in Your Home Due to Rain

Rain that enters from the ground is often a different coverage than a burst pipe.

Three different water stories

  • A burst pipe is often covered by a standard home policy.
  • Sewer backup usually needs an endorsement.
  • Overland water from heavy rain is a separate endorsement on many Ontario forms.

What to do

Keep people safe, shut off electricity if water is near outlets, photograph the damage, and call the brokerage before you throw out belongings.