Generally yes for sudden and accidental events: burst pipes, plumbing failures, appliance leaks, storm-driven roof leaks, sudden overflows, including the resulting damage to drywall, flooring, and baseboards. Generally no for gradual problems: long-term neglect, slow leaks you reasonably should have caught, pre-existing conditions. And two coverages Alberta homeowners often assume they have but frequently do not, because they are optional add-ons: overland water (flooding from outside) and sewer backup endorsements.
The cause of loss decides everything, which makes documentation worth more than most homeowners realize. Nonstop Restoration specializes in insurance-approved restoration and understands exactly what carriers like Intact, Aviva, Wawanesa, Desjardins, Allstate, TD, Economical, and SGI require: cause-of-loss documentation, moisture readings, photos, daily monitoring logs, all priced in Xactimate. We cannot decide what your policy covers. We can make sure your claim never gets weakened by missing evidence.