Review the coverage in your home insurance policy

July 03, 2015, Kitchener, Ontario

Posted by: Robert Deutschmann, Personal Injury Lawyer

It is important when investing in an insurance plan that one takes the time to read carefully over what one is covered and not covered for by that insurance company. In the case of an Ontario couple, it is important to keep an eye out for what your company’s policy is when it comes to water damage.

Reported in the Waterloo Record on June 27, 2015, an Ontario couple who was vacationing Florida in January 2014, had a fire sprinkler pipe that froze and burst, causing $160,000 worth of damage. Their home insurance company, Intact Insurance, did not cover damage due to faulty fire sprinklers under certain circumstances. If the resident is away for more than four consecutive days, then Intact is not responsible to insure them for loss or damage caused by water.

 The couple was denied on the grounds that they “should’ve turned off and drained their water supply if the couple was away”. However, Ontario’s fire code states that sprinklers should remain in working condition at all times.  This results in a difficult situation for the homeowners, somewhat of a Catch-22.

Image result for water damage home insurance

This situation is why readers should investigate and know what their insurance coverage is, review the details with your insurance broker, and find the insurance plan that is right for them. To read the full story, go online to

Posted under Car Accidents, Chronic Pain, Concussion Syndrome, Pain and Suffering, Personal Injury

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About Deutschmann Law

Deutschmann Law serves South-Western Ontario with offices in Kitchener-Waterloo, Cambridge, Woodstock, Brantford, Stratford and Ayr. The law practice of Robert Deutschmann focuses almost exclusively in personal injury and disability insurance matters. For more information, please visit or call us toll-free at 1-866-414-4878.

The opinions expressed here, while intended to provide useful information, should not be interpreted as legal recommendations or advice.

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