Most Toronto Homeowners Pay $0 Upfront
How We Handle Your Water Damage Insurance Claim
Most Toronto homeowners underestimate the scope of their water damage — and so do their insurance adjusters. Without proper documentation, claims are underpaid or denied. We document everything from the moment we arrive: moisture readings, thermal images, photographs, and a detailed scope of work that supports your full claim amount.
We work directly with all major Canadian insurers including Intact, Aviva, TD Insurance, Desjardins, Economical, and Wawanesa. We know what each adjuster needs and provide it in the right format. Read our full Ontario water damage insurance claim guide for more details on the process.
What Your Ontario Home Insurance Typically Covers
- Burst pipe water damage — covered as sudden and accidental loss under most Ontario policies
- Sewer backup — covered if you have the sewer backup rider (standard on most Ontario policies)
- Appliance failure — sudden failure of a dishwasher, washing machine, or water heater
- Storm water entry — covered under overland flooding endorsement if you have it
- Mold resulting from a covered water event — typically covered as consequential damage
$0
Out-of-pocket for most Toronto homeowners
When covered by standard Ontario home insurance
Intact
Aviva
TD Insurance
Desjardins
Economical
Wawanesa
