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Water Damage Coverages
Date Modified: 2026/01/01
TL;DR – What does water damage coverage include?
- Standard policy: Standard home policies cover sudden and accidental water damage from events like burst pipes, ruptured heating or sprinkler systems, and leaking appliances.
- Optional coverage: For protection against events like sewer backups, overland flooding from heavy rain or melting snow, water entering through the roof or above-ground walls, and ice dams, you'll usually need an optional add-on.
- Flooding: Coverage for water damage depends on your policy's specific wording, but you'll typically need optional coverage to be protected against flooding caused by heavy rains or freshwater overland floods.
Bottom line: Whether you have coverage for water damage depends on your policy add-ons, where the water came from, and how it entered your home.
Water damage is the most common cause of property damage in Canada,1 a claim to fame" that isn't likely to change in the near future. Recent research into the effects of climate change predicts an increase in extreme rainfall events2 such as heavy rain. And in the summer of 2024 alone, flooding caused by extreme weather events resulted in close to $3.5 billion in insured losses3 — an amount that surpassed the total $3.1 billion in insured losses from extreme weather and catastrophic events in all of 2023.4
In practical terms, this means water and flood damage can be a huge headache for Canadian homeowners. So, whether you're dealing with water damage from a flooded basement or a major leak, having the right water damage coverages can help save you from a lot of stress and expense.
Is water damage covered by insurance in Canada?
You can get insurance coverage in Canada for different types of water damage. The specific water damage coverages you have will depend on your insurer's standard home insurance policy and any optional coverage you may have purchased to add onto your policy.
道明保險是否為水災損害承保？
Yes, TD Insurance's home insurance policy provides coverage for specific types of water damage. For example, our standard home policy includes protection for sudden and accidental water damage caused by events such as:
- 供暖系統破裂
- 管道系統破裂
- 自動灑水系統破裂
- Leakage of water from a hot water tank†, dishwasher or other domestic appliances
- 輸送飲用水的公共自來水總管漏水
Plus, our Extended Water Damage Coverage, Ice Damming and Roof Drain Backup Coverage, and Above Ground Water Coverage endorsements are available as add-ons to our standard home policy.‡
Is your home going to be unoccupied? One important thing to keep in mind: Be sure to check in with us if your home will be unoccupied. Depending on the situation and the length of time it will be unoccupied, your home may be considered vacant, which would impact your current coverage. If this is the case, contact us for guidance on the coverage that's best suited for a vacant home.
What types of water damage coverage add-ons does TD Insurance offer?
The table below outlines the types of water damage coverage add-ons TD Insurance offers. Adding additional water damage coverage to your home policy can give you that extra bit of confidence that comes from knowing you have protection for several types of water damage losses.
Extended Water Damage Coverage‡ |
Above Ground Water Coverage‡ |
Ice Damming and Roof Drain Back-up Coverage‡ |
|
|---|---|---|---|
承保範圍 |
主要針對房屋保險承保範圍之外的地下和地表水災損壞相關情況。 因下列情況造成的突發和意外水災損害（包括洪水）損壞保險*：
*適用某些例外情況。 |
包括因下列情況造成的突發和意外水災損害保險*：
*適用某些例外情況。 |
保障因冰霜引起的突發和意外水災損害帶來的損失。當融化的雪沿著屋頂邊緣凍結時，就會形成一個水壩，迫使水從瓦片下面流入您的房屋。借助冰壩和屋頂排水管回流保險，您可在因下列原因造成突發和意外水災損害的情況下獲得保障*：
*適用某些例外情況。 |
Can I get flood insurance in Canada?
Yes, but it's important to know that your coverage will depend on how your home policy defines the word "flood". So, be sure to read your policy and check with your insurer if you have any questions or concerns about the coverage you already have. Depending on the type of flood damage you want protection for, you may need to purchase optional add-on insurance to enhance your base coverage.
If, for example, you want coverage for flooding caused by heavy rains or a freshwater overland flood, you'd usually need to add on optional water damage coverage, as most standard home policies won't provide coverage for this type of flood damage.
What is comprehensive water coverage?
Comprehensive water coverage isn't a specific insurance product you can buy, nor is "comprehensive water coverage" a defined term in home policies. Instead, "comprehensive water coverage" is typically used in an informal way to describe having a broad range of water damage coverage that goes beyond the basic water damage protection offered in most standard home policies.
In practice, having comprehensive water coverage usually means combining the water damage coverage under a standard home policy with specific water damage coverage add-ons to provide protection for different types of water-related damage.
Am I covered? Water damage examples and how they're covered
Water damage can happen in many different ways, and whether you're covered will typically depend on where the water comes from and how it enters your home. So, it's not always obvious what coverage you'd need based on the damage alone.
Here's a look at some common water damage scenarios, and how they're typically covered under a home insurance policy at TD Insurance:
If this happens: |
Coverage required: |
A water pipe behind a wall suddenly bursts overnight, and you wake up to soaked drywall and a mini flood in your bathroom. |
Standard home policy coverage |
Heavy rainfall overloads the local sewer system, causing raw sewage to backup through your floor drain and into your basement. |
Extended Water Damage Coverage add-on‡ |
A warm spell quickly melts the snow on your roof, overwhelming downspouts and causing meltwater to seep into your home as it runs down your exterior walls. |
Above Ground Water Coverage add-on‡ |
| Repeated freeze-thaw cycles create ice dams along the edge of your roof, forcing meltwater under the shingles and into your attic. | Ice Damming and Roof Drain Backup Coverage add-on‡ |
A washing machine hose suddenly ruptures while you're doing a load of laundry, sending water across the floor and into the basement below. |
Standard home policy coverage |
A nearby stream rises and overflows after days of intense rain, causing a freshwater flood that flows over land and into your home. |
Extended Water Damage Coverage add-on‡ |
The wind from a severe storm drives rain into your home through a vulnerable area around a roof vent. |
Above Ground Water Coverage add-on‡ |
Your roof drains become blocked by ice and snow, causing water to back up and leak into your attic. |
Ice Damming and Roof Drain Backup Coverage add-on‡ |
Need to file a water damage claim?
如果您是道明保險的現有客戶，並且您的房屋或財物遭遇水災損害，請聯絡我們，以便我們審查您的道明保險保單承保範圍並在合適的情況下啟動理賠流程。您也可以：
- 透過道明保險流通App啟動理賠流程，或者透過MyInsurance保單管理在網上查看並管理您的保險。
- 聯絡道明保險顧問查看您的保險承保範圍，或者聯絡道明保險理賠顧問啟動理賠流程。
還不是道明保險客戶？免費獲取道明保險房屋保險報價
資料來源：
1https://www150.statcan.gc.ca/n1/pub/11-621-m/11-621-m2024003-eng.htm
本頁面的內容僅作一般參考，不構成法律建議。本文所述的承保可能需要遵守額外的資格條件、限制與例外情況。如果您提出理賠，潛在賠償也受到理賠可受理性與您所購保險類型的約束。
如果本頁面的內容與您保單中的措辭存在衝突，應以您保單中的措辭為準。
†Water heater tank(s) need to be replaced before the age reaches 15 years or older to avoid an exclusion of coverage. 如熱水爐水箱的製造日期為15年或之前，則承保範圍不涵蓋由之造成的水災損害。
‡All add-on coverages are subject to eligibility and have a separate premium.