Insurance coverage for water damage can sometimes be a little confusing. After all, you’re covered for a basement flood in some cases, but not in others depending on where the water comes from? And what about “Acts of God” not being covered? Isn’t that a thing? (In fact, it isn’t!). Coverages have also been changing in recent years, and you may be covered for things now that you weren’t when you first opened your policy. Take the quiz below to read example claim situations and see if you understand what is covered.
Want to brush up first? Go back to the Enhanced Water Endorsement information page.
Read the following insurance claim scenarios, and see if you know which ones are covered under the Enhanced Water Endorsement.
This is a pretty common one, and it’s a case that has always been covered and will continue to be covered as usual.
This is called a sewer back-up, and yup, it’s covered.
We do not cover seepage through the foundation. However, if water gets into your basement through your windows or doors, we do cover it under the Enhanced Water Endorsement. Make sure to maintain your foundation and check out these helpful water tips.
You sure are! This type of accident has always been covered under your regular home policy. AMA is teenage-daughter-proof, most of the time.
Yes, this is covered under the Enhanced Water Endorsement. This sort of situation hasn’t always been covered by insurance, so if you were surprised by this answer, that’s likely why.
This would NOT be covered, because we don’t cover saltwater flooding. It would be a huge a state of emergency if BC got washed away, and this matter would fall to the government to handle. That sharks vs. grizzlies battle royale taking place on Stephen Avenue is also outside of our purview.
Covered! This is one that’s always been covered.
Note: The information provided on this website is provided to you for informational purposes only. Please speak to an AMA insurance advisor or refer to your policy wording for full terms and conditions.