ALBERTA homeowners hoping to make claims for flood damage won't get help for water that poured through doors or basement windows, the Insurance Bureau of Canada said Friday.
"You're not covered," spokesman Steve Kee said. "There's no overland flooding coverage in Canada."
Kee said if homeowners have damage caused by water coming in doors and windows, they should file a claim, even though it's not covered, because it could help them qualify for other assistance, if available.
A sewage backup caused by flooding usually is covered, Kee said from Toronto. Property owners need to check their policies, he added.
"People should probably be documenting and taking pictures when they get back into their homes."
Officials say as many as 100,000 people may have left their homes due to flooding in southern Alberta after heavy rains.
The insurance bureau also said vehicle owners who have their cars flooded will be covered for damage if they have comprehensive automobile insurance.
Alberta Municipal Affairs Minister Doug Griffiths noted there will be uninsurable losses and warned property owners aren't intended to profit from the flooding.
"The fact that a person didn't bother to buy insurance doesn't mean the government will pay for it," Griffiths said at a news conference in Calgary.
Property will be restored "back to what it was as best we can," he said.
-- The Canadian Press