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Canada Water, Flood and Sewer Backup Claim Kit

In Canada, sewer backup and overland flood are optional coverages, and water claims depend on what your policy includes and on what you did to limit the damage. This kit records both, with the invoices, belongings and every exchange with your insurer.

What's inside

  • CA_Water_Sewer_Backup_User_Guide.docx
  • CA_Water_Sewer_Backup_Contents_Inventory_TRACKER.xlsx
  • CA_Water_Sewer_Backup_Mitigation_Repair_Log_TRACKER.xlsx
  • CA_Water_Sewer_Backup_ALE_TRACKER.xlsx
  • CA_Water_Sewer_Backup_Claim_Diary_TRACKER.xlsx
  • CA_Water_Sewer_Backup_Claim_Letters_TEMPLATE.docx

$39

Instant download · Word and Excel · Personal use license

What's inside

  • CA_Water_Sewer_Backup_User_Guide.docx

    Step-by-step user guide with key terms, rules that may apply, sources and a final checklist

  • CA_Water_Sewer_Backup_Contents_Inventory_TRACKER.xlsx

    Room-by-room contents inventory with RCV, depreciation and ACV calculated, summary by room and category

  • CA_Water_Sewer_Backup_Mitigation_Repair_Log_TRACKER.xlsx

    Log of water extraction, drying and temporary repairs, with invoices and who paid

  • CA_Water_Sewer_Backup_ALE_TRACKER.xlsx

    Additional living expenses tracker: receipts, extra cost, reimbursed, not yet reimbursed, monthly summary, mileage

  • CA_Water_Sewer_Backup_Claim_Diary_TRACKER.xlsx

    Claim diary: key dates with alerts, contact log, documents sent, payments received

  • CA_Water_Sewer_Backup_Claim_Letters_TEMPLATE.docx

    Editable letters to request documents, information or time, to send documents, and to confirm conversations in writing

Who it's for

  • Homeowners in Canada with water, sewer backup or overland flood damage
  • People paying for extraction and drying
  • Households living elsewhere during repairs

How the documents work together

Record the timeline in the diary, log every drying invoice in the Mitigation and Repair Log, list damaged belongings and track ALE.

Is this the right kit?

Choose this kit for water damage in Canada. For a fire, see the Canada Fire Total Loss Claim Kit.

What's not included

  • Advice about your policy, your coverage or the value of your claim
  • Contact with your insurer, adjuster, landlord or lender on your behalf
  • Negotiation or representation of any kind
  • Pre-filled prices, depreciation rates or deadlines (these come from your records, your policy and your insurer)

Format and delivery

Instant download after payment: a personalized ZIP with Word (.docx) and Excel (.xlsx) files. Works in Microsoft Word and Excel, Google Docs and Sheets, LibreOffice. US Letter page size. 5 downloads within 30 days. Personal use license.

Questions about this kit

Is sewer backup covered?

Only if your policy includes it; IBC notes sewer backup coverage is optional. The guide shows where to check.

Does it log drying costs?

Yes, in the Mitigation and Repair Log with who paid.

Can tenants use it?

Yes, though the Canada Tenant Total Loss Claim Kit is built for renters.

Helpful guides