Northbridge Insurance and commercial water damage claims
This page explains how Northbridge Insurance handles water damage on a home policy, in plain language, with the facts taken from Northbridge Insurance’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 Northbridge Insurance 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, sprinkler or appliance leak
- Normally part of commercial property coverage.
- Sewer backup or flood
- Depends on the endorsements on your commercial policy.
- Income lost while the business is closed
- Business interruption coverage, if you carry it.
Commercial claims start with your broker
Northbridge Financial is one of Canada’s largest commercial property and casualty insurers, with brands including Northbridge Insurance and Federated Insurance. For property claims it names your broker as the primary contact, because the broker knows your policy and how to proceed.
Call your broker, then call us. We do not need the adjuster on site before we start stopping the damage.
Why the first day matters more for a business
On a commercial loss the building is often the smaller cost. Stock, equipment, records and the days the business cannot open add up faster. Getting the water out and the drying started the same day is what keeps a business interruption claim short.
We work around your hours where we can, isolate the affected area so the rest of the premises can keep trading, and give you a written drying plan with an expected finish date.
What we give the adjuster
Moisture readings for every affected material, daily drying logs, photographs before anything is removed, an inventory of damaged stock and equipment, and a written scope for the rebuild. That record is what supports both the property and the business interruption parts of the claim.
Our experience with Northbridge Insurance claims
Insurance claims are most of our work, and we have handled claims for Northbridge Insurance policyholders. We know what the Northbridge Insurance 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 Northbridge insure homes?
Northbridge is a commercial insurer that protects Canadian businesses. Homeowners should contact their own home insurer.
How do I report a Northbridge property claim?
Contact your broker first. Northbridge says your broker is the primary contact for your policy, and you can also report a claim on the Northbridge website.
Can you work while my business stays open?
Often yes. We isolate the affected area with containment so the rest of the premises can keep operating safely.
Is Delta24 affiliated with Northbridge?
No. Delta24 Restoration is an independent restoration company and is not affiliated with or endorsed by Northbridge.
Where this information comes from
Checked against Northbridge Insurance’s website in September 2026. Insurers change product names and wording; if anything here differs from your policy, your policy wins. Northbridge Insurance is a trademark of its owner. Delta24 Restoration is an independent restoration company and is not affiliated with or endorsed by Northbridge Insurance.