April marks the return of warmer weather, but it also marks the return of an unwanted guest; Spring Flooding. But does your insurance cover a potential deluge?

There are two major types of insurance against flooding in Canada: regular and overland

Flood insurance generally covers you for damage in the event of a basement leak or burst pipes, but isn’t normally included in a normal house policy.

Overland is the kind that protects you in case of a river or lake flooding, but can be very expensive and in some cases not offered at all.

In the event you can’t get insurance at all due to the age or location of your home, you can still make a claim to the Public Safety Minister if the house sustains water damage.

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