Water damage – Advice from your Desjardins Agent
How to limit damage
Depending on the extent of water damage, you may be able to prevent further damage. Above all stay safe—don’t put your life in danger!
- Move your belongings to a dry place
If furniture is too heavy to move, you can also raise it up on Styrofoam blocks or panels.
- Remove as much water as possible within 24 hours to prevent mould
- Clean up the water using a wet/dry vacuum cleaner (e.g., Shop-Vac®). If you don’t already have one, you might be eligible for reimbursement of the purchase price (less than $100).*
- Sponge-dry wet carpets and rugs with clean, white towels to avoid colour transfer.
- Wipe off wet surfaces and dry out fabrics.
- Remove wet cushions from couches and armchairs and stand them on end so they can dry evenly.
- Clean and disinfect the premises with the following cleaning solution (for minor water damage only):
Mix 1 part bleach to 4 parts water and add a little ammonia-free dish soap. (Never mix bleach with ammonia, as the reaction will give off toxic fumes.)
- Air out and dehumidify your residence
Use a dehumidifier (commonly used in basements) and a fan in the affected room.
- Avoid overheating the room
Keep heat at a normal temperature for the time of year.
- Make an inventory of your damaged property
A form is available to help you keep track: (PDF) List of property
- Take photos of the damage
If there is major water damage
Contact a damage clean-up company as soon as possible.* After that, contact our claims advisors, as they can provide all the additional guidance you may need.
To find out more, visit Get Prepared, a Government of Canada website with information on what to do during and after an emergency.
How to file a claim There are 2 ways to file a claim:
Make your claim easier: If your home is no longer habitable, keep receipts for all expenses you incur for food and lodging outside your home. Depending on the nature of the damage and your coverage, these expenses may be reimbursed. If you do some of the work yourself, keep a record of the jobs done and the hours worked.
*Refer to your insurance policy to determine the scope of your coverage. Keep receipts for all expenses incurred in protecting or preserving your property.
This information is provided for informational purposes only. Desjardins Insurance shall not be liable for any damages arising from any reliance upon such information. Desjardins Insurance recommends using caution and consulting an expert for comprehensive, expert advice. Full details regarding coverage and exclusions can be found in the insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.