Insurance Information for Those Affected by Flooding

Report a claim online here or call 1-888-426-2444


Being in an emergency like a flood can be a scary ordeal, but we’re here to help at AMA. Here are some simple tips on what to do to stay safe in a flood situation, as well as the answers to some common questions about your insurance in case of a flood.


What do you need to do in a Flood?

1. Monitor local media and social media for updates
Be aware of possible road closures and know where to go if shelter is required. Rely on trusted sources, such as your local government, the Province, or your local newspaper, TV and radio news channels.

2. Check your sump pump and backwater valve to ensure they are functioning properly
It’s a good idea to install a backup pump, which can help in the event of a power failure.

3. If your home is flooding, turn off electricity
If you can’t safely reach the fuse box wait until a professional can do so for you. Do not enter a flooded basement if the electricity is still on.

4. If possible, ventilate the area by opening windows and turning on fans if you have any
Remember, however, that water and electricity don’t mix, so be careful about plugging in any fans in a flooded area.

5. If at any point, your safety is in question, then it’s time to leave
We can sometimes forget about the sheer power of flood waters, but they can do damage to more than just your home. If your safety is endangered or your way out is threatened, then you need to get out and get someplace safe and dry.

6. Document any damage that may have occurred to your contents
When the flood is over, make sure to take a careful inventory of what the water destroyed. This can help if you’re going to file a claim. In fact, you can even be proactive by doing a quick inventory of the contents of your basement before the flood waters arrive. Now is as good of a time as any to update your home inventory.


What are you covered for?

Q: How do I confirm my insurance coverage? I need to know if I have coverage and what I am covered for
Our Insurance advisors will be able to review your policy with you and let you know what your coverage is. To talk to an advisor, call 1-800-615-5897. We’re available Monday – Friday from 8 a.m. – 8 p.m. and on Saturday from 9 a.m. – 5 p.m.

Q: I don’t have my policy documents with me. How do I find out what I am covered for?
You don’t need to have your policy documents on you to look up your coverage; we are able to look that information up for you. If you’re interested in checking your policy wordings before you start the claims process or you have already begun a claim and wish to clarify your wordings, please contact our insurance service line at 1-800-615-5897. We’re available Monday – Friday from 8 a.m. – 8 p.m. and on Saturday from 9 a.m. – 5 p.m.

Q: Is there coverage for additional living expenses if I’ve been evacuated?
Depending on your coverage, your property policy could contain coverage that aids you in the event of a mass evacuation. The intent of this coverage is to ensure that you are financially protected from an increase in reasonable short-term expenses directly related to the evacuation. To see if you have coverage, you can give us a call at 1-800-615-5897. We’re available Monday – Friday from 8 a.m. – 8 p.m. and on Saturday from 9 a.m. – 5 p.m.

If you have coverage and have been evacuated, call our claims line at 1-888-426-2444 24 hours a day to file a claim and access your mass evacuation funds, or report your insurance claim online.

Q: Is this considered an act of god and therefore not covered by insurance?
Contrary to popular belief, the term “act of god” is not used in home insurance policies. Whether or not you’re covered depends on the specifics of your policy. Our Insurance advisors are happy to review your policy with you and let you know what your coverage is. To talk to an advisor, call 1-800-615-5897. We’re available Monday – Friday from 8 a.m. – 8 p.m. and on Saturday from 9 a.m. – 5 p.m.

Q: I’m a renter, is my stuff covered?
AMA Renters Insurance policies do not include coverage for overland water (this is a catch-all term for perils like overflowing rivers or lakes, spring runoff or overwhelmed drainage systems), nor do we cover a sewer system backing-up as a result of the overland water.

Q: Is my car covered?
This will depend on the type of coverage you purchased under your auto policy: if you have comprehensive coverage on your vehicle, it’s covered. If you’re unsure of what kind of coverage you have, you can always give us a call at 1-800-615-5897.

Q: Is my RV covered?
Once again, it depends on your coverage. If you have a Comprehensive Recreational Vehicle Policy, then you’re covered only if water gets into your RV because of damage caused by another non-water peril (i.e.: holes in the roof caused by hail (hail is a covered peril) let water in). If you have a motorhome, flood damage will be covered under your auto policy if you have comprehensive or all perils coverage. If you need a hand understanding your coverage, you can reach an advisor who would be happy to help at 1-800-615-5897.



Filing a Claim

Q: How do I make a claim?
You can report your home or auto insurance claim online, or call 1-888-426-2444, 24 hours a day.

Q: When/how soon do I need to report my claim?
There is no urgency unless you need the peace of mind of talking to one of us. If you’ve been evacuated, you’re covered from the time of your evacuation, not the time that you file a claim, so just make sure you’re keeping your receipts and call us when it’s convenient. There’s no urgency to contact us yet. If you’re still in the evacuation process, or are moving on to a more permanent destination, focus on your family’s safety and your immediate needs. We’ll be here for you when you’re ready.

Q: I left my insurance documents behind. What do I do if I need to make a claim?
No need to worry about that. You don’t need to have your policy documents on you to file a claim; we are able to look that information up for you. The important thing if to stay safe. Documents are not something you need to worry about. If you’re interested in checking your policy wordings before you start the claims process or you have already begun a claim and wish to clarify your wordings, please contact our insurance service line at 1-800-615-5897 We’re available Monday – Friday from 8 a.m. – 8 p.m. and on Saturday from 9 a.m. – 5 p.m.