Protecting your home during torrential rains

3 minutes

It’s been pouring. Your neighbour’s basement is flooded–two feet of water and counting. Think their insurer will cover the damage? Maybe. It all depends on the coverage they added–or didn’t–to their home insurance policy.

Got 2 minutes? Here’s what you need to know.

Why it affects everyone

You can’t just look the other way–extreme rainstorms happen here too. Remember the damage from Hurricane Debby in 2024? In Quebec alone, insured losses hit a record-breaking $2.7 billion (This hyperlink will open in a new tab) (French only).

It’s the costliest weather event in the province’s history so far.

Soaked or safe? What’s covered under your home insurance policy

Toilet leaking? Bathtub overflowing? Washing machine mishap? Standard home insurance typically covers these types of water damage.

But not all water damage is covered. Damage from things such as sewer backup, infiltration or flooding isn’t covered by default. You’ll need to add specific endorsements to your policy.

If heavy rain seeps in through your roof, you may be eligible for compensation if you took out “Water damage–Above ground water” coverage.

Torrential rains: A real homeowner’s story

Michèle and her partner Tariq were hit by flooding caused by severe rainfall. A nearby river overflowed, flooding part of their street–and eventually their kitchen.

They could have compensated if they had added flood and overflow protection. This coverage is not included in a basic home insurance policy.

Not all insurers or regions offer this coverage, so it’s important to talk it over with your insurance agent.

If you experience flooding in Quebec and lack the necessary coverage–or if your policy doesn’t fully cover your losses–you may be able to get support through the General Financial Assistance Program Regarding Disasters (This hyperlink will open in a new tab). Other assistance measures are available depending on the province.

What about condos?

Do you live in a condo? Your coverage depends on where the damage occurs.

If water seeps into your unit, typically, your condo owner’s insurance will handle the claim if you’ve taken out the necessary endorsements.

If the damage occurs in a shared area, the condo association’s insurance will cover it.

Good to know: If that coverage falls short, your personal insurance can fill the gap, depending on your share of the damage.

Heads-up, renters

Don’t overlook this—renters are at risk too. When heavy rains cause flooding, the landlord’s insurance won’t cover your belongings or the cost of temporary housing.

If you’re renting an apartment, double-check your coverage to protect your finances in case of a disaster. Moving out temporarily and replacing your stuff can get costly!

How to check your coverage

No need to panic—the sky isn’t about to fall on you. Just be a step ahead of the weather. Here’s our tip: review your current coverage. This is where you should start.

  • Read your policy. Not the most interesting read, but it’s where you’ll find the important info.
  • Look for exclusions, what’s covered, extra endorsements, and their limits.
  • Call your insurer if you have questions. A quick call won’t cost a thing and could save you from nasty surprises later.

What you can do as a homeowner

You can’t control the rain, but you can give your home a fighting chance. Try these simple, effective tips:

  • Check that your doors and windows are properly sealed.
  • Clean your gutters and downspouts regularly. Ensure water flows at least 2 meters away from your foundation.
  • Look at your yard. Does it slope toward your house? Fix the slope during the summer if needed.
  • When heavy rain is forecast, put up temporary barriers in front of windows at risk.
  • During a flood alert, place sandbags by basement and garage doors.
  • Keep your insurer’s contact info close by. If you’re unsure about anything, don’t hesitate to call—they can help.

Stay cool, stay dry

Before the storm hits: check your coverage, inspect your property and then relax–rain or shine.