Depends on how the water got in. Burst pipe, failed hot water tank, appliance leak: standard policies typically respond. Sewer backup: only if you carry the sewer backup endorsement. Water that came from outside, river flooding, snowmelt, heavy rain seeping in: only with overland water coverage, an optional add-on many Alberta policies do not include. Same flooded basement, three very different claim outcomes.
Covered losses usually pay for extraction, drying, removal of damaged materials, and reconstruction, minus your deductible. What complicates payouts: waiting too long to act, no documentation, or a cause the insurer reads as maintenance failure. Nonstop Restoration establishes and documents the cause of loss on arrival, which is exactly the fact your claim will turn on, and we work directly with your adjuster from there. Emergency line: (403) 620-8489.