Flooding and Your Insurance

The best time to think about flood insurance is before it happens. In Manitoba, flooding is generally not covered by home insurance. However, several insurance providers have recently introduced coverage for sudden flood situations. The coverage works in conjunction with Sewer and Water Backup coverage, providing coverage for damage due to overland flooding from a sudden rainfall or snow melt. Some insurers also offer coverage for sudden penetration of water through foundations. These various flood coverages can be added to qualifying policies for a premium. Please contact us to discuss adding the coverage to your policy.