Water damage is the #1 home insurance claim in Ontario — but here's the catch: not all water damage is covered the same way. Know the difference: 🌊 Overland Water (heavy rain, melting snow, ice dams, rising water) — NOT in standard policies 🚽 Sewer Backup (water backing up through drains) — NOT in standard policies These optional coverages are exactly what you need when Mother Nature turns up the heat (or the snow). Without them, you're risking thousands in damages with zero protection. The go
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