Insurance Shortfalls Come to Light Following the Recent Flooding of Toronto’s Don Valley

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Recent flooding caused by an overflowing of the Don River in Toronto has left homeowners frustrated and confused about insurance coverage for water damage. Flood and water cleanup specialist Mar-Que General Contractors explains how homeowners can better protect themselves and their property.

flood in toronto

flood in toronto

The Mar-Que team continues to work to restore residents’ property, but they have also been advising clients to speak with an insurance representative about securing the right coverage.

In the aftermath of the Don River’s overflowing last month, many residents in and around the impacted zone are re-evaluating their insurance coverage, specifically as it relates to water damage. The severe flooding has also inspired a series of tips from water cleanup and restoration specialist Mar-Que General Contractors Inc., which specializes in helping residents and businesses recover from water damage.

The flooding in Toronto caused the closure of part of the Don Valley Parkway, as well as major delays to transit service in the area. But residents and business owners still face a daunting road ahead, in both cleaning up and sorting out messy insurance matters.

Although most homes are protected to some degree against water damage, the full scope of protection remains a grey area for most homeowners. Mar-Que recommends that homeowners take the opportunity to review their insurance coverage now and avoid a nasty surprise later.

The biggest concern is typically the basement. What is known as overland flooding—the process of water seeping into a home through a door or window well—lies beyond the scope of home coverage in Canada, which explains why so many residents around the Don Valley River were left frustrated in the wake of recent flood damage.

The Mar-Que team continues to work to restore residents’ property, but they have also been advising clients to speak with an insurance representative about securing the right coverage. For example, while sewer backup coverage ensures protection in the event of water being sent into a home through piping, it is normally something that must be arranged separately in addition to the standard policy. Those renting out their basement should note that their tenant is not necessarily covered under the homeowner policy.

After flooding, free air flow and de-humidification will help remove moisture from the affected environment, and often requires the use of specialized, heavy-grade equipment. Cleanup strategy will also depend on the source of water—only in rare cases such as when family heirlooms are involved will homeowners want something back after it has been contaminated by sewage water. Irreplaceable items should never be stored in the basement, especially when those homes are located in flood-prone spots like the Don Valley area.

About Mar-Que

A specialist in flood and water cleanup, Mar-Que General Contractors Inc. helps businesses and homeowners recover following damage to their property. The Company is on call for the Greater Toronto Area 24 hours a day, seven days a week, and provides free estimates for every job.

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