Water Damage Insurance

Water damage has become the leading cause of loss in home insurance. Today, almost 50% of home property claim payments are related to water damage.

In the past few years, water damage coverage has been reorganized to better address the various causes of damage. These coverage options are best illustrated through claims examples.

The following are examples of common water damage claims and the associated coverage needed.


water damage from leaking appliances

Water damage results from the overflow of a bathtub or sink, disconnected hose of a dishwasher or washing machine or a broken pipe inside the home.

Coverage to respond: Most standard home policies include coverage for these damages within the basic policy.

water damage from leaking appliances

Water penetrates the roof or walls from gutters or downspouts.

Coverage to respond: Optional Above Ground Water coverage..

water damage from leaking appliances

Water accumulates after a heavy rain or due to melting snow and enters through cracks in the foundation, basement doors or windows.

Coverage to respond: Optional: Ground Water and Sewer coverage.

water damage from leaking appliances

A rain storm overloads the sewer system resulting in water backing up into your basement.

Coverage to respond: Optional: Ground Water and Sewer coverage.

Water service pipe breaks. In order to repair the pipe, the city must excavate resulting in damage to lawn, gardens, walkways and/or driveways.

Coverage to respond: Optional: Water Service Pipe coverage.

water damage from leaking appliances

An ice dam forms in the spring causing water to overflow the banks of a nearby river. This water flow reaches your property causing water to penetrate the home, either above or below ground.

Coverage to respond: Optional: Overland Water coverage. Presently, this coverage is offered by only a few insurers.

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Ogilvy Insurance Is Now NFP

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For questions please reach out to:

Ontario: Tel - 416.777.2722 or Toll Free: 1.877.364.4589

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Ogilvy Insurance devient NFP

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Ontario: Tél. – 416 777-2722 ou 1 877 364-4589 (numéro sans frais)

Quebec: Tél. – 514 932-8660 ou 1 877 464-4589 (numéro sans frais)