After Toronto flash flooding, what do you need to know about insurance claims?

Canadian homeowners are adding flood coverage to their insurance policies due to increased extreme weather events. After flash flooding in southern Ontario, residents found their insurance didn't cover flooding, leading to a surge in optional coverage. The insurance industry is paying more for severe weather claims, leading to the creation of a national flood insurance program. Enhancing home flood resilience can reduce insurance costs. Homeowners are advised to document flood damage, retain receipts, and contact insurance representatives promptly.