# \#insurance

**URL:** https://home.renovation.reviews/tag/insurance/2676.md

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## [Does home insurance cover a flooded basement in Ontario?](https://home.renovation.reviews/t/does-home-insurance-cover-a-flooded-basement-in-ontario/48342)

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**Author:** [@BuildersLTD](https://home.renovation.reviews/u/BuildersLTD)\
**Replies:** 0\
**Last updated:** [September 5, 2026, 2:08pm UTC](https://home.renovation.reviews/t/does-home-insurance-cover-a-flooded-basement-in-ontario/48342 "2026-09-05T14:08:05Z")

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Only if you bought the add-on. A standard Ontario home policy does not cover water that comes up through the floor drain or in through the walls during a storm; it covers water that comes down through a roof leak. Whethe…

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## [My basement flooded in the Toronto storm, what do I do first?](https://home.renovation.reviews/t/my-basement-flooded-in-the-toronto-storm-what-do-i-do-first/48341)

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**Author:** [@BuildersLTD](https://home.renovation.reviews/u/BuildersLTD)\
**Replies:** 0\
**Last updated:** [September 5, 2026, 1:44pm UTC](https://home.renovation.reviews/t/my-basement-flooded-in-the-toronto-storm-what-do-i-do-first/48341 "2026-09-05T13:44:23Z")

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Get people and power away from the water, call your insurer and 311 the same day, and get everything wet out or dried within 48 hours. The backwater valve comes after that, and the City will pay most of it. Wednesday’s …