Water Damage Protection with Comprehensive Water from The Co-operators

Water Damage Protection with Comprehensive Water from The Co-operators
This is a sponsored post written by me on behalf of The Co-operators for IZEA Worldwide. All opinions are 100% mine.
 

How many of you know whether your home is in a flood zone or how to protect yourself from water damage? With the rise of extreme weather happening in Canada it’s important to make sure you have the correct insurance coverage. Comprehensive Water from The Co-operators can help.

Water Damage Protection with Comprehensive Water from The Co-operators

Before I had this blog, I used to work in insurance. I think it was my time in insurance that instilled a deep belief of being prepared and always having adequate coverage. I pay my monthly premiums for peace of mind but that doesn’t mean that I don’t also do everything I can to ensure our risk is low.

In recent years, the reports of massive floods hitting both urban and rural areas have been increasing at an alarming rate. In Toronto, the city almost comes to a complete standstill when we get a heavy downpour and it becomes painfully obvious that the infrastructure is not in place to deal with the new normal when it comes to weather.

Water Damage Protection with Comprehensive Water from The Co-operators

The Co-operators believes that we all need to work together to not only protect our homes but also our communities and I couldn’t agree more. Helping others could be as simple as sharing the information in this post with loved ones so that they can protect themselves before it is too late.

I know that in my community the city ripped up all our streets to lower our risk of flooding due to stormwater, but I still take extra steps to protect myself. We have a water sensor in our basement that alerts us and our home security company if water is present. We make sure our home is graded properly and that there are no cracks in the foundations. But there is more we can do to not only protect ourselves but our community as well.

With 94% of Canadians living in flood zones and unaware of it, it’s easy to see why less than 30% are doing something to protect what matters most. Water damage is now the costliest causes of damage in Canadian homes, surpassing even fire lately. Make sure you test your water H2O and find out your water risk through the water risk assessment.

And if you’re anything like me you still need to talk to a Financial Advisor about Comprehensive Water coverage. It’s easy to understand the need for water damage protection for the most important things in your life: family, home, and belongings. Comprehensive Water covers your home against sudden and accidental water damage whether it enters your home through a sewer or septic backup, or accumulation of water from extreme rain and overflow from lakes, rivers and other nearby bodies of water.

Water Damage Protection with Comprehensive Water from The Co-operators

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This is a sponsored post written by me on behalf of The Co-operators for IZEA Worldwide. All opinions are 100% mine.
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65 Comments

  1. joanne darrell
    December 5, 2018 / 1:20 pm

    We are connected to the townhouse next door and their basement flooded twice eek.

  2. Kim Tanti
    December 5, 2018 / 9:09 pm

    This is becoming the norm. With all the natural disasters.

  3. jan
    December 6, 2018 / 3:15 pm

    I have had two family members need flood insurance and it is becoming more and more important.

  4. Florence Cochrane
    December 6, 2018 / 5:52 pm

    We had a basement flood with a hurricane a few years back. I have this coverage with the Coop now.

  5. Carole D
    December 7, 2018 / 12:46 am

    So many natural disaster we need to make sure we got everything cover.

  6. Calvin
    December 7, 2018 / 1:12 am

    A big hassle to deal with is water damage.. definitely need insurance + prevention..

  7. NormaJane
    December 7, 2018 / 8:06 pm

    WE are with the Co-operators. Our basement flooded last year. They were great to work with to get it rebuilt

  8. AD
    December 8, 2018 / 12:39 pm

    Home insurance policies (as default) do not insure for overland flood coverage, water damage or sewer backup. You must request each item individually and see if its available for you in your area… But definitely inquire.

  9. December 10, 2018 / 7:16 pm

    Thankfully we have the Co-Operators because the issue of flooding has indeed become more of the norm. We live on the top of a hill and still got flooded one year because the ground was saturated from rain and would not absorb any more water.

  10. Nate
    December 15, 2018 / 6:46 pm

    It is very important to have water damage protection

  11. Debbie White-Beattie
    December 22, 2018 / 2:47 am

    Water damage can have so many repercussions like dealing with insurance and mold etc.

  12. Cheryl Grandy
    December 26, 2018 / 1:05 pm

    The amount of flooding lately is scary. Thanks for a some ideas of what to do to protect our property.

  13. Aimee
    January 7, 2019 / 8:54 pm

    We dealt with cooperators when our sewer backed up in our basement. They were really easy to deal with and really helpful.

  14. kristen visser
    January 8, 2019 / 7:23 am

    I am not in a flood zone so have never thought about “what if” but it is definitely a good thing to be prepared for such a case

  15. Ivan M.
    January 8, 2019 / 10:39 am

    My wife and I are planning to buy a house and after reading this entry, it made us more conscious about water flooding research the areas before completing the purchase, and also, what to prevent after.

  16. jan
    January 8, 2019 / 12:33 pm

    Yes, the weather pattern has made events like this more serious. So important to know exactly what you are paying for.

  17. Calvin
    January 8, 2019 / 1:11 pm

    Good to do some preventative measures, especially if you live close or below sea level

  18. Jill K
    January 8, 2019 / 1:53 pm

    Our home flooded just before Christmas. It makes sense to have the right insurance.

  19. Cylia
    January 8, 2019 / 8:09 pm

    Wow, really 94% of us! I need to check if if I’m one of them

  20. Jenifer V
    January 8, 2019 / 11:55 pm

    Water damage can be so expensive, insurance is definitely a must!

  21. Victoria Ess
    January 9, 2019 / 5:45 am

    Thanks for the reminder — I’ll be taking a close look at this when we renew our insurance.

  22. Tammi L.
    January 9, 2019 / 5:54 am

    When ND had that horrible flooding years ago I felt so bad that I went to our pastor to ask what we could do… 5 of us collected money and items and drove to the area and couldn’t believe the devastation. The other thing that caught us by surprise was people were so sick of strangers coming to just gawk at their horrible misfortune. One lady was yelling and crying and we tried to explain that we were there to help but she was so beside herself at that point that she just kept pushing us off. She wasn’t the only one in tears as we left. There were so many people then that had no insurance, that were completely ruined. It was AWFUL. This is something we all need to be aware of.

  23. Olivia clow
    January 9, 2019 / 2:36 pm

    Thanks for the information . I had water damage a few years ago and it was alfull time with our I insurance insurance man.

  24. Shirley OFlynn
    January 9, 2019 / 5:31 pm

    A very informative article. I had no idea that 94% of Canadians living in flood zones. It seems like flooding is becoming far more prevalent. A couple of years ago the lower section of our street was flooded.

  25. Athena
    January 9, 2019 / 6:58 pm

    It definitely is important coverage to have.

  26. jason kinnin
    January 9, 2019 / 7:28 pm

    to bad I really want to live close to the water one day

  27. Catherine Matte
    January 9, 2019 / 7:56 pm

    It is so important to understand your insurance contract.

  28. Morris Elfenbaum
    January 10, 2019 / 12:29 am

    Good information

  29. January 10, 2019 / 12:39 am

    94% of Canadians living in flood zones is a massive number. It’s good to know that the Co=operators are getting the word out about flooding and taking extra precautions. There is so much concrete everywhere in the cities that the water has nowhere to go, and sometimes the ground is just over saturated. I agree wholeheartedly that flooding is a major problem. This is such an awesome feature to read. Thank you.

  30. Janet M
    January 10, 2019 / 2:08 pm

    Water damage is so horrid. We had some many years ago.

  31. nicolthepickle (Nicole Graham)
    January 10, 2019 / 2:48 pm

    I didn’t know water danger was such a problem in Toronto. It’s good to have safety precautions in place.

  32. Kimberley
    January 12, 2019 / 6:50 pm

    The risk assessment was interesting and good to know. Thanks for the post.

  33. January 12, 2019 / 7:52 pm

    The natural disasters are really becoming more frightening because they are so frequent now. It’s good to know we can get protection from the Co-operators.

  34. Diane G
    January 13, 2019 / 11:08 pm

    This is a great reminder to inquire about additional insurance, thank you.

  35. Treen Goodwin
    January 14, 2019 / 5:17 pm

    Better to be safe than sorry , there seems to be a lot more floods lately , thanks for the great info !!

  36. January 14, 2019 / 10:16 pm

    I loved through a major flood in Burlington, Ontario a few years ago. It was tragic for so many families. The record rainfall in August 2014, caused significant flooding and damage in parts of the city. Roads, highways and more than 3,000 homes were flooded. our finished basement had so much damage. Without insurance we would not have been able to afford getting the damaged reversed.

  37. January 14, 2019 / 10:18 pm

    That is awful although I’m so glad you had insurance to cover it. It could have bee so much worse

  38. Emily
    January 15, 2019 / 2:01 pm

    Never had this issue thus far, but water damage protect is vitally important.

  39. January 16, 2019 / 1:24 am

    The Co-Operators are the way to go if you want protection from flooding. You never know when that time will come.

  40. Heather Swanson
    January 16, 2019 / 2:17 pm

    this is my company & they have been very helpful

  41. jason kinnin
    January 16, 2019 / 6:54 pm

    good tips

  42. Sarah K
    January 17, 2019 / 3:44 am

    Yikes! My friend has had his basement flood twice when he went away on holidays. Worst part is that he just recently renovated it too. Insurance coverage is so important to have but it really sucks having to deal with it all!

  43. Lynnette
    January 19, 2019 / 8:47 am

    Being in Richmond BC I’m so at risk. 🌂

  44. Lynn
    January 19, 2019 / 8:49 am

    Being in Richmond BC I’m so at risk. 🌂

  45. January 19, 2019 / 3:00 pm

    We’ve suffered through two floods — one when an upstairs pipe burst when we weren’t home (we came home that night to find a WATERFALL running down our stairs and several inches of water on the main floor — a NIGHTMARE). The other flood occurred during super high rains when all the sewers got backed up — and we had a BROWN WATERFALL shooting out from our basement floor drain. Ugh. So your blog on the importance of being well-insured is very very important. Most people don’t have adequate coverage, and it’s so important in case this happens to you.

  46. jason kinnin
    January 19, 2019 / 6:02 pm

    we had big floods in my town last year. scary stuff

  47. January 20, 2019 / 3:24 pm

    Would be a nightmare even if covered, many things that get damaged are not replacable.

  48. Victoria Ess
    January 21, 2019 / 6:24 am

    I’d be devastated if I didn’t have coverage and this happened to me.

  49. Aimee
    January 21, 2019 / 9:00 am

    Easy company to deal with

  50. January 22, 2019 / 4:30 pm

    WOW! I can’t even imagine going through a disaster like this.

  51. Aimee
    January 23, 2019 / 9:39 am

    Always easy to talk to cooperators

  52. January 23, 2019 / 5:52 pm

    It is so frightening to see the kind of damage that a flood can cause. Thanks for the reminder and how the Co-Operators can help.

  53. Dawn E Dodgen
    January 24, 2019 / 12:18 am

    I can’t imagine going through something like this. How awful.

  54. Aimee
    January 25, 2019 / 9:57 am

    When you phone for help you get to talk to a real person😊

  55. Andy d
    January 25, 2019 / 2:45 pm

    We actually bought flood insurance when we moved into our apartment because we had to – and I’m so thankful we did! Two of our neighbors have already had floods so it’s nice to know we are prepared if anything happens.

  56. jason kinnin
    January 27, 2019 / 6:39 pm

    i remember sandbaging in my community a few years ago

  57. Aimee
    January 28, 2019 / 11:19 am

    We’ve had cooperators house insurance for a long time, they have always been good to deal with.

  58. Michelle Policelli
    January 28, 2019 / 11:44 pm

    We live in the country and a few years ago we did have a flood in our basement, since then we decided to get coverage! I think it’s important to get water damage protection

  59. January 29, 2019 / 9:47 am

    Having experienced a basement flood, I know how important having the right insurance is. We were lucky. All damaged and replacements were covered by our insurance.

  60. Victoria Ess
    January 30, 2019 / 6:32 am

    It’s definitely good to be prepared in these situations than be shocked when you find out you don’t have coverage too late!

  61. January 30, 2019 / 11:41 pm

    We have lived in our home for years and never had a flooding problem until last year when the rain never quit. Thank fully we are covered with the co-operators. We did however manage the water that came in and it wasn’t too bad but it was a wake up call.

  62. Victoria Ess
    January 31, 2019 / 6:21 am

    It’s such a scary scenario! And you hear of this happening to families all of the time.

  63. Deb Dorrington
    January 31, 2019 / 8:31 pm

    Sadly with so much flooding happening each spring and summer it is a must to have Comprehensive Water coverage. About 10 years ago my friend lost everything she owned in her basement and first floor due to flooding from storm water. With no coverage it took her years to recover.

  64. March 9, 2019 / 6:02 pm

    Oh my goodness.. This is one of my biggest fears. How horrible it would be to have a flood and not have insurance.

  65. Cheryl Grandy
    May 6, 2019 / 1:15 pm

    With all the flooding there has been in Canada (and elsewhere) recently, knowing our coverage is important.

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