Does Renters' Insurance Cover Flood Damage Restoration?
In most cases, Renters’ Insurance does cover flood damage restoration. Renters’ insurance offers liability coverage as well as contents. However, renters’ insurance may not be applied to overland flooding, which is essentially water intrusion from outdoor sources, but your landlord’s insurance should be able to address the issue. As a tenant, determining what your responsibility is in comparison to your landlord can be quite tricky. If you’ve experienced water damage, talk to the property owners or property management company about flood damage restoration services from a fast, trusted professional like Canada’s Restoration Services.
What is Typically Covered By Renters’ Insurance
- Burst pipes: If a pipe bursts due to freezing or aging infrastructure, the resulting water damage to your personal belongings (e.g. furniture, clothing, electronics) is usually covered.
- Appliance malfunctions: Water damage caused by things like a broken washing machine or dishwasher is often covered.
- Overflow from plumbing: If a toilet or sink overflows unexpectedly, damage to your personal property may be reimbursed.
Most standard renters’ insurance policies in Canada do cover water damage from sudden and accidental events like burst pipes or plumbing failures. But, the best way to be sure is to contact your insurance company and landlord.
What Renters’ Insurance Likely Won’t Cover
- Gradual leaks or damage caused by long-term maintenance issues.
- Damage to the building itself (floors, walls, structure), as that is the landlord’s responsibility
- Flooding from external sources (like heavy rain or rising rivers), unless you have specific water damage endorsements added to your policy.
Streamline Water Damage Clean Up and Restoration with the Experts
To be sure of what’s covered, it’s always best to review your policy details or speak directly with your insurance provider. If you experience water damage, contact your insurer right away and talk to your landlord about cleanup with a professional restoration company like Canada’s Restoration Services to help prevent mold, salvage belongings, and document the damage for your claim.
