She had 'enhanced' flood coverage, but her insurer still denied her claim
An Ottawa homeowner was denied insurance coverage for basement flooding despite paying for an enhanced water damage package. The insurer clarified that the policy excludes groundwater flooding, highlighting a common gap in standard home insurance coverage.
Why it matters
It underscores the critical need for homeowners to understand specific policy exclusions regarding water damage, especially as extreme weather events become more frequent.
She ran to grab towels and returned to find "water coming from everywhere."
The article presents the consumer's frustration alongside the industry's standard policy definitions without taking a side.
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