Diluvian rains and floods: is your home ensured?

Hundreds of residences were flooded following torrential rains that fell into the large. Therefore, Montreal region on Sunday. Furthermore, Pierre Babinsky. However, director of communications and public affairs at the Canada Insurance Office, takes stock of the protection of housing in the event of a flood.

Q : Are damage caused by torrential rains supported by home insurance? Nevertheless, If so, what are the conditions?

Water damage from the inside of the house. Consequently, such as a break in the piping or a sanitary device, are covered by basic residential fonts. However. Therefore, when it is the water on the outside which infiltrates inside the house – by the roof, the windows, the sewers or the foundations – these are additional protections that must be added to its insurance contract.

Q : During torrential rains, vehicles are found under diluvian rains floods: your home water or damaged by the fall of trees. Are car owners assured?

If we have an insurance policy high risk rate . collision without paymentgenerally, we are covered for this type of incident.

Q : People are worried about seeing their insurance premium increase if they make a complaint. What do you recommend?

It is always a good idea to declare damage to your insurer. The Civil Code even obliges people to declare any event which could constitute an aggravation of risk. So, I advise them to notify their insurer or broker, who will also be able to give them advice. These people can then decide whether they want to make a complaint or not.

Q : Some properties in the flood zone are no longer assurable. Is the situation spreading for city dwellers who are repeatedly struck by the heavy rains?

We see more and more incidents that cause water damage. Last year, with the post-tower storm Debby, it was a very good example. Housing remain assurable for the usual diluvian rains floods: your home risks – fire, flight, hail, wind, etc. -. but in terms of water protection, it can be more difficult to be insured if we live in a vulnerable area. This is the case in areas where the watercourse overflows regularly. in the neighborhoods where there are repeated sewer repressions.

Q : If our basement is flooded, diluvian rains floods: your home what are the actions to do and in what order?

First. the insurer must be called as quickly as possible and ensure that all the inhabitants inside the residence are safe. You also have to document the incident and losses. This means taking pictures to show to which level the water has mounted. photographing the things that have been damaged.

Then, it is necessary to remove the water and the objects that have been wet to avoid odors and mold. You will have to ventilate the parts that have been affected. knowing that you can also use specialized firms if you do not have the resources to do this work. In addition, your insurer may have advice to give you and could help you in certain steps.

This interview was carried out as part of the program Economy areaon here RDI. Some remarks have been published for diluvian rains floods: your home more clarity or conciseness.