Not all flooding is covered by insurance and policies need to be checked

Calgary homeowners who hope to make claims with insurers for flood damage will be out of luck in most cases.

That’s because not all flooding is covered under most insurance policies.

The Insurance Bureau of Canada says that water which comes through in doors and windows — called “overland flooding” — is not covered.

But flooding related to sewage backups, which could happen outside of main flood zones, is covered under most policies.

The insurance bureau says car owners whose vehicles have been flooded and have comprehensive coverage will have the damage covered.

Property owners can call 1-800-377-6378 to reach the Insurance Bureau of Canada with their questions.