Understanding Water Damage
Canada is experiencing many changes in weather conditions. The severe transitions in each season, like low pressure and sudden rain in summer, and pipe freezing and thawing in the winter, lead to havoc in the plumbing system. This leads to failure in pipelines, clogging of drains and water stagnation in the area, and floods lead to damage to commercial and residential properties. Not only fail the pipelines and drains, but also cause flooding-like situations in residential and commercial properties.
Water damage is one of the most common disasters happening in Canada. We all know how much heart-wrenching these flooded situations can be. Sudden flood, over-flooded sewers, leakage of pipes and failure of washing appliances lead to water damage in property.
To deal with this kind of situation may be hard, because not only the house but furniture inside and sentiments are also affected.
Understanding Insurance
Let’s understand two general types of insurance- personal insurance and property insurance.
Personal Insurance deals with life and accidents, health and other types of insurance related to individuals, whereas property insurance is of two types in Canada. The first one is personal property insurance, and the other one is personal liability insurance. This home insurance comes into effect when water damage happens under the specific conditions.
Now, Understanding Water Damage Restoration Insurance
Water damage restoration insurance comes under the homeowner’s or commercial property insurance. It covers the water damage and other restoration and construction work done in the process.
According to Aviva Canada, 49% of property insurance claims are due to water damage, and the average cost of a water claim is around $16,000. And catastrophic water damage claims tripled in 2024 compared to the previous year. The data increased to 1.5% from the year 2020 to 2023.
Water Damage Insurance Covers
Water damage insurance not only covers the damage, but also restoration. As restoration prices can also be covered through insurance, it helps to repair the structural damage by hiring professionals. It is recommended to hire professionals to proceed and complete the restoration process.
Home insurance doesn’t cover predictable events and certain types of unexpected events. Listed below are the details of some inclusions and exclusions of insurance claims.
- It covers sudden accidental water damage.
- It may cover sewer backup and overflooding after endorsement.
- It does not cover water damage caused by gradual leakage or stagnation.
There are some exclusions which doesn’t come under the insurance policies, like damage occurring due to a lack of maintenance, and water entering through the river due to flooding comes under optional coverage. And sewer backup will be covered if you have a sewer backup endorsement; otherwise, it won’t be covered.
ONT Restoration’s Approach
At ONT restoration, we understand the urgency of the situation, and our responsive team will communicate with you well. Our team will reach the affected area and start their process of claiming insurance and assessment to provide you possible estimate for the overall process. With us, you don’t have to worry about going through the detailed procedure of insurance claiming, because our trained professionals will do this work for you.
Our Comprehensive Water Restoration Damage Process Includes
- Insurance Claim Status
- Assessment and Inspection
- Water Extraction
- Dispose of Waste Material
- Drying and Dehumidification
- Cleaning
- Restoration of Floors and Walls
- Sanitizing
Conclusion
Due to extreme climatic conditions, Canada faces problems like floods and water damage. And its number is rising every year, and thus, water removal and water damage restoration services are needed. All this destruction requires a hefty price for repair, and here comes the importance of home insurance.
Insurance claims in times like these will protect your hard-earned money from getting used up on repair and restoration work. There are many rules and regulations under the insurance policies, but you need not worry; it’s our job to handle the claiming work for you. We, ONT Restoration, with our licensed team of professionals, are here to offer you 24/7 services.
FAQs
- Is water damage covered by insurance?
Answer- Yes, mostly water damage restoration is covered under house insurance, depending upon the terms and conditions and type and time of your insurance claim.
- What is the process, professionals follow for restoration?
Answer- Restoration company comes and starts assessing, evaluating, and follows with an inspection. After analyzing, they will start their restoration process.
- What would be more beneficial, removing water by oneself or calling a restoration company?
Answer- It depends on the extent of water collected in the property. If you think it can be removed by DIY methods and techniques, then you can try. Otherwise, for an uncertain situation, it is always recommended to ask for experienced professional help.