Keep your home safe and your head above water with water damage insurance coverage
Don’t get left out to dry. Invest in the Water Damage endorsement from belairdirect.
What is water damage insurance coverage?
Water damage insurance coverage could help protect you from paying out of pocket for costly repairs to your home caused by water damage. Although a standard home insurance policy with belairdirect includes specific water damages, such as a burst pipe or a malfunctioning appliance like a dishwasher or washing machine, there are many scenarios where water damage may not be covered.
An additional water damage endorsement could protect you from paying for water damage not specifically listed in your insurance policy.
What does water damage insurance cover?
With an optional water damage endorsement from belairdirect, your home could be protected from water damage caused by an external source. This can include:
- A malfunctioning sump pump
- A backed-up sewer
- Above-ground water damage
- Leaking roofs and windows
- Wall infiltrations
With the water damage endorsement in place on your home insurance policy, you can get peace of mind knowing you have the coverage needed to keep your home protected without being hung out to dry.
What kind of water damage is covered under home insurance coverage?
Although your home insurance will most likely cover certain types of water damage, the coverage included may not cover every scenario.
A standard home insurance policy will cover accidental water damage from an internal source such as a leaking appliance, faulty plumbing, or an accident involving an overflowing sink or bathtub.
The water damage coverages within your home insurance policy may not cover incidents such as sewer backups, or flooding caused by a malfunctioning sump pump.
It is important to note that water damage caused by neglected repairs (refusing to repair a roof, not cleaning your gutters for an extended period of time, etc.) may not be covered by your homeowners insurance policy.
Refer to your insurance policy to see what is specifically covered, or talk to an insurance agent if you still have questions.
What are the benefits of having additional water damage insurance coverage?
With an additional water damage endorsement from belairdirect, you could avoid paying out of pocket for repairs and cleanup costs stemming from external sources, such as backed-up sewers or failed sump pumps.
The right combination of insurance endorsements could ensure that damage caused by and external water source entering your home is covered.
Is there a home insurance endorsement that can protect me from water damage caused by flooding?
Flood insurance, or overland coverage, is a specific insurance coverage not offered by belairdirect within the base policy. Overland coverage could compensate you for the flood damage that your home could sustain after a natural disaster.
An insurer may offer you an insurance endorsement that covers sewer backup, such as the Water Damage endorsement from belairdirect. With the Water Damage endorsement, your home could be protected against both types of above-water damage including ground water, sewer overflows, and stream overflows.
Overland coverage is often limited based on individual risks and location, and is not available in all locations. Talk to an insurance agent to see if overland coverage is right for you.
Internal water sources vs external water sources: What’s the difference?
Internal water sources refer to leaks that occur from sources that are expected to be within your home. These include overflowing water from faucets and bathtubs, leaks caused by dishwashers and washing machines, frozen water pipes and internal damage caused by leaks.
External water sources are classified as unwanted water that originates from an outside source and finds itself within your home. This can include sewer backups, basement flooding caused by a malfunctioning sump pump, or flooding caused by a river or nearby body of water.
Although the damage caused by water is the same no matter where it comes from, where it originates is important to your insurer as it allows them to determine the coverage that might take effect after a covered incident.
What does a water damage insurance endorsement cover in each province?
See what the Water Damage Endorsement from belairdirect covers in Ontario.
With the Enhanced Water Damage endorsement added to your home insurance policy, you could be protected from paying for water damage caused by an external source, such as:
- A malfunctioning sump pump
- A backed-up sewer
- Optional overland coverage for flooding caused by external sources
Keep your home dry with the Water Damage endorsement from belairdirect.
What does a water damage insurance endorsement cover in each province?
See what the Water Damage Endorsement from belairdirect covers in Quebec.
With the Enhanced Water Damage endorsement added to your home insurance policy, you could be protected from paying for water damage caused by an external source, including:
- Above-ground water damage
- Water damage caused by ground water and sewer systems
- Overland water damage coverage
Keep your home dry with the Water Damage endorsement from belairdirect.
What does a water damage insurance endorsement cover in each province?
See what the Water Damage Endorsement from belairdirect covers in Alberta.
With the Enhanced Water Damage endorsement added to your home insurance policy, you could be protected from paying for water damage caused by an external source, such as:
- A malfunctioning sump pump
- A backed-up sewer
- A water main break
- Flooding caused by external sources
Keep your home dry with the Water Damage endorsement from belairdirect.
What does a water damage insurance endorsement cover in each province?
See what the Water Damage Endorsement from belairdirect covers in British Columbia.
With the Enhanced Water Damage endorsement added to your home insurance policy, you could be protected from paying for water damage caused by an external source, such as:
- A malfunctioning sump pump
- A backed-up sewer
- A water main break
- Flooding caused by external sources
Keep your home dry with the Water Damage endorsement from belairdirect.
Has your home suffered water damage?
*Please refer to your insurance policy for further details regarding specific benefits for your province.