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The Real Story on Insurance and Who is Responsible to Pay Flood or Water Damage

Water, Flooding and Power Failures - What You Can Do To Deal With The Damage

The situation in Toronto on Monday was extraordinary. As of midnight 90mm of rain had fallen, with the total rainfall expected to reach about 100mm. According to the CBC, this exceeds Toronto's monthly rainfall by about 30mm, all in one day.

You can check out some of the images on CBC's website:

Screen of Slide Show from CBC

Commuters were stranded for hours, some rescues on the highway were carried out by boat, and property was damaged everywhere. The weather advisory is over, but the damage and chaos as Torontonians try and recover from this rainfall has just begun.

Many people are wondering if they should make insurance claims, others may be questioning what is covered click here for some tips and information to help make these tough decisions.

Affected by the Toronto Flooding? Here are some things you can do immediately :

  • Let's talk about Rot and Mold-Is it Insurance to the rescue or Are you out of luck?
  • Water - Vital to life, but a potential hazard to your home. 
  • - See more at:

     The City of Toronto issued a statement including the points below:

    In the event of a flooded basement:

    • Call the City of Toronto at 311 to report a blocked basement drain or sewer back-up, or for information or assistance with a blocked drain, 24 hours-a-day, seven days-a-week. During this extreme weather event residents should expect high call volumes. Calls will be answered by the first available agent.

    • Call your insurance company as soon as possible to report property damage caused by flooding.(If you wonder

    • Be mindful of your health and safety when cleaning up a flooded basement - do not stand in flood water, call a professional for assistance. More information about basement flooding is available on the City of Toronto’s website at .

    How to report a power outage:
    • Call Toronto Hydro-Electric System’s Lights Out number at 416-542-8000.

    During an outage:
    • Unplug or turn off all appliances to avoid possible damage when power resumes.
    • Turn off water to the clothes washer and dishwasher if they are in use when the power goes out.
    • Leave a light or radio on so you will know when power is restored.
    • When power has been restored, check all fuses to ensure that none have been blown, before calling Toronto Hydro.
    • Plug in only the most essential appliances first, and wait 10 to 15 minutes to give the electrical system time to stabilize before connecting everything else.

    Food Safety:
    During a power failure, food kept in the refrigerator or freezer may become unsafe to eat. The following tips will help ensure food is stored safely in the event of a power outage:
    • Keep your refrigerator door closed to maintain the temperature inside. Without power, the refrigerator section will keep foods cool for four to six hours - if the door is kept closed.
    • Throw out perishable foods such as meat, fish, poultry, eggs and leftovers that have been at temperatures above 4°C for more than two hours.
    • Keep your freezer door closed to maintain the temperature inside. Without power, an upright or chest freezer that is completely full will keep food frozen for about 48 hours - if the door is kept closed. A half-full freezer will keep food frozen for about 24 hours.
    • Foods that have thawed in the freezer may be refrozen if they still contain ice crystals or are at 4°C or below - evaluate each item separately.
    • Partial thawing and refreezing may reduce the quality of some food, but food will remain safe to eat.

    Water damage is serious and it can create major health risks, and reduce the value of your home. Let your insurance advisor help you make the right decision. Isn't that why you deal with a broker? - See more at:
    Water damage is serious and it can create major health risks, and reduce the value of your home. Let your insurance advisor help you make the right decision. Isn't that why you deal with a broker? - See more at:

    If you are insured with Ogilvy Insurance, you can find information to report your claim here.

    Stay Safe Toronto Friends!

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