Nearest broker: Searching for a broker nearby…
Nearest broker: , Edmonton, AB Phone: 780.755.0110 5020 Lac St Anne Trail N, Onoway, AB, T0E 1V0 Phone: 780.967.2282 , Edmonton, AB Phone: 825.467.5631 206 Pembina Rd, Sherwood Park, AB, T8H 0L8 Phone: 780-732-8616 10060 Jasper Ave, Edmonton, AB, T5J 3R8 Phone: 780-435-3632 , Calgary, AB Phone: 403-532-4882 322 Avenue C S, Saskatoon, SK, S7M 1N4 Phone: 639-398-4170 5317 50 Ave, Taber, AB, T1G 1V3 Phone: 403-223-2377 110a McLeod Ave, Spruce Grove, AB, T7X 2H8 Phone: 780-571-1144 496 Marquis Rd, Prince Albert, SK, S6V 8B3 Phone: 306-970-8080 335 Hwy Avenue N, Picture Butte, AB, T0K 1V0 Phone: 403-732-6023 2201 Box Springs Blvd NW, Medicine Hat, AB, T1C 0C8 Phone: 403-487-5132 550 Wt Hill Blvd S, Lethbridge, AB, T1J 4Z8 Phone: 403-394-1123 734 13 St N, Lethbridge, AB, T1H 2T1 Phone: 403-328-9114 5 St SE, High River, AB Phone: 403-652-4104 9904 103 St, Fort Saskatchewan, AB, T8L 2C9 Phone: 780-998-0881 201-4271 23 Ave NW, Edmonton, AB, T6L 5Z8 Phone: 780-466-2136 3908 97 St NW, Edmonton, AB, T6E 6N2 Phone: 780-465-6900 8170 50 St NW, Edmonton, AB, T6B 1E6 Phone: 780-469-9378 52 Ave, Drayton Valley, AB Phone: 780-621-1707 1331 Macleod Trail SE, Calgary, AB, T2G 0K3 Phone: 403-278-1050 1331 Macleod Trail SE, Calgary, AB, T2G 1E1 Phone: 403-255-2252 234-7 Westwinds Crescent NE, Calgary, AB, T3J 5H2 Phone: 403-775-2100 , Calgary, AB, T3K 0S8 Phone: 403-719-9995 5114 2 St, Boyle, AB, T0A 0M0 Phone: 780-689-3946 50 Ave, Bonnyville, AB Phone: 780-826-3147 12931 20 Ave, , AB, T0K 0E0 Phone: 403-562-2191 2903 Kingsview Blvd SE, Airdrie, AB, T4A 0C4 Phone: 403-945-8885

Is the leak in my basement covered by my home insurance?

Home Insurance

By Romana King | May 2, 2016

A leak in the basement can come in many forms – from a crack in the foundation plumbing windows or doors or even ceiling. But when it comes to leaks and wet basements, not all damage is necessarily covered by your home insurance. Your first question is probably to ask what is covered by insurance and what you’ll be expected to pay out-of-pocket. The answer will vary depending on your specific policy as well as the scenario surrounding the leak in the basement. Here are some tips to deal with such a situation.

1. What’s the history?

If your home has a history of water seeping in and you’ve never had the issue repaired you may be in trouble. Leaks continue to damage your home even if you can’t see the evidence of that damage directly. Once water finds a path into your home it will come in again and again.

If your home has previous evidence of leaks or has leaks that have gone unaddressed your home insurance likely won’t cover the damage. You will be responsible for covering the costs of clean up and repair.

2. Preventative maintenance is key.

Damage due to a lack of maintenance is not usually covered by your home insurance policy. You’re expected to maintain your home as part of your insurance agreement. For example, if you’ve got a crack in your foundation and two inches of water seepage accumulates in your basement you’re likely on your own to pay for clean up and repair. A foundation crack is considered a maintenance issue and won’t be covered by most policies.

To prevent having to pay a large repair bill regularly inspect basement walls for cracks and each year double-check that the caulking around windows and doors is in good shape. (If the caulking is cracking or peeling in places it’s time to remove the old and apply new caulking.)

Also, make sure your home’s gutters and downspouts are clear and working properly so water can move away from your home. Foundation seepage and leakage into your home usually occur when the water has a chance to sit or build up. To prevent this make sure you complete your annual maintenance on your home’s exterior.

Some insurance companies also offer programs that will help you with repairs such as Aviva’s Home Repair Assure. Check with your broker or insurer to see if this kind of program is available.

3. With slow leaks check the source and your policy.

But what if the leak in the basement is due to a slowly leaking appliance? For example, some homeowners are totally unaware of a leak until evidence such as mould rot and a bulging ceiling starts to show in the basement. At that point, they may call in a repair specialist only to find out their dishwasher has been leaking into the floor joists for half a decade causing rot and severe damage. Some insurance companies will deny the claim because it was a slow ongoing leak. Other insurance companies may cover the claim because your policy covers these types of claims if the damage was hidden in walls beneath floors or above the ceiling. To determine whether you have coverage check your policy’s seepage exclusion or talk to your broker for some guidance.

At this point whether your insurance provider covers the claim or not you will need to repair and fix the water seepage issue. Neglect to do this and you’ll find your basement submerged yet again. Talk with a waterproofing professional to decide the best way to repair your problem. Remember just patching a crack in the wall doesn’t fix the water seepage problem.

Get A Quote From A-WIN

Get the best insurance deals and stay on budget.

Get A Quote

Life Events - It's Time to Reassess Your Insurance

Whether it’s heading off to university or deciding to start your own business,...


Rogers Insurance and CapriCMW merge to become Acera Insurance.

A-WIN Insurance is part of the Rogers Insurance Group.

Click to learn more about how this merger will impact A-WIN Insurance. Our branches will remain independently owned and operated.