Chubb and water damage: what’s covered and how the claim works
This page explains how Chubb handles water damage on a home policy, in plain language, with the facts taken from Chubb’s own website. It is general information, not advice on your policy. Your policy documents and your claims representative are the final word on what you hold.
Which Chubb coverage applies to what you’re seeing
Start with where the water came from. That decides which part of the policy it falls under.
- Burst pipe or appliance leak
- Covered under the Masterpiece policy.
- Sewer backup
- Part of the base Masterpiece policy.
- Flooding from outside
- Overland Water Coverage add-on.
Sewer backup is already in the base policy
Unlike most home policies, Chubb Masterpiece includes sewer backup in the base policy. In 2019 Chubb added Overland Water Coverage for Canadian homeowners as an add-on to complement it.
Masterpiece homes often have finished basements with custom millwork, hardwood, wine rooms or home theatres. Those materials need careful drying decisions: much of it can be saved if the drying is controlled and documented, and replacing it is slow and expensive.
How the claim works with Chubb
Report the claim 24/7 by phone, online or through your broker or agent. Chubb says it makes every effort to contact Masterpiece policyholders quickly once a claim is reported.
What we do on a Chubb claim
We extract, map the moisture with meters and thermal imaging, and protect finishes that can be saved before we remove anything that cannot. Every decision is photographed and logged, so your adjuster can see why each material was dried in place or removed.
Our experience with Chubb claims
Insurance claims are most of our work, and we have handled claims for Chubb policyholders. We know what the Chubb claims team asks for and how its water coverage is set up, so the evidence your adjuster needs is collected from the first hour instead of pieced together afterwards.
You deal with one team from the first call to the final repair. We answer the adjuster’s questions ourselves, and we tell you plainly what your policy is likely to cover before any work that is not an emergency.
Common questions
Does Chubb Masterpiece cover sewer backup?
Yes. Sewer backup is included in the base Masterpiece home policy.
Does Chubb cover overland flooding?
Chubb offers Overland Water Coverage as an add-on for Masterpiece home policies in Canada.
How do I report a Chubb claim?
24/7 by phone, online, or through your broker. Chubb’s Canadian claims page gives 1-800-532-4822.
Is Delta24 affiliated with Chubb?
No. Delta24 Restoration is an independent restoration company and is not affiliated with or endorsed by Chubb.
Where this information comes from
- Chubb: Overland water coverage for Canadian homeowners (2019)
- Chubb Canada: Report a claim
- Chubb Canada: Who to contact
Checked against Chubb’s website in September 2026. Insurers change product names and wording; if anything here differs from your policy, your policy wins. Chubb is a trademark of its owner. Delta24 Restoration is an independent restoration company and is not affiliated with or endorsed by Chubb.