Published in Costs & Insurance
Water damage
Generally refers to water that originates inside the building: burst pipes, appliance leaks, overflowing fixtures. The water is often clean at first.
Flood damage
Usually means water entering from outside, such as overland flooding from heavy rain or overflowing waterways. It typically carries soil and contaminants.
Why it matters for cleanup
Contaminated floodwater requires more protective measures and often means more porous materials are removed and discarded.
Why it matters for insurance
Many Canadian policies treat sudden internal water damage, sewer backup and overland flooding differently. Your broker can explain what your policy includes.
Need help now?
Flood Services Hamilton answers calls 24/7. Call (647) 696-6893 or visit our contact page.
