TD Insurance Extended Water Damage Endorsement 

Water damage is the leading cause of claims in Canada. And with the risk of a flooded basement or major leaks, it can be essential to make sure your home is covered in case of unwanted water. TD Insurance has water damage solutions designed to make sure you feel confident and protected. If your home does get water damage, your TD Insurance policy would cover emergency clean up, replacement of your belongings, home repairs, and additional living expenses.

The Above Ground Water Damage Endorsement is an insurance add-on that can come in handy for situations not traditionally covered by home insurance. This coverage is offered optionally for new, eligible customers that own their home and included automatically for condo owners and tenants. With Above Ground Water Protection, you'll have coverage against sudden and accidental water damage caused by*:

  • Discharge, backup, and overflow of water from eaves, downspouts, rainwater gutters or roof drains
  • Rain, snow, melting snow that enters through the roofs or walls of the building or from an opening, like a door or window.

*Some exclusions may apply.

The Extended Water Damage Endorsement is automatically included for new, eligible customers and optional for condo owners and tenants. This coverage focuses on situations related to below-ground water damage that are not covered by home insurance. When you have Extended Water Damage protection, you’re covered against sudden and accidental water damage caused by*:

  • Sewer backup and sump pump overflow
  • Ground or surface water that enters your home below ground level (this includes heavy rainfalls or melting snow that enters through your foundation)
  • Overland flooding due to the rising or overflow of any stream or body of freshwater

*Some exclusions may apply.

Ideally, you won’t be in a situation where you’ll need this coverage, but having it gives the confidence that you’re protected if water damage occurs.

TD Insurance advisors can guide you through any questions you might have about water damage. Call 1-877-777-1736 or go online tdinsurance.com/pchem.

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