RSA Canada and water damage: who handles the claim now
This page explains how RSA Canada handles water damage on a home policy, in plain language, with the facts taken from RSA Canada’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 RSA Canada 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
- Normally covered as sudden and accidental water damage.
- Sewer backup
- Included on some RSA policies; an optional Water Damage Extension on others.
- Flooding from outside
- Depends on your policy. Check your latest documents.
What happened to RSA Canada
Intact Financial Corporation acquired RSA in 2021. RSA’s Canadian website, rsagroup.ca, now redirects to belairdirect, which is Intact’s direct insurance brand. Policies sold through brokers under RSA may since have been renewed under another Intact company.
The practical answer: look at your most recent renewal documents for the company name and claims number, or call your broker. Either will get you to the right claims team.
Sewer backup on RSA policies
RSA said that some of its policies included sewer backup while others offered it as an optional Water Damage Extension. If your policy has been renewed under Intact or belairdirect, the coverage is likely called the Enhanced Water Damage Package instead.
What we do while the claim is being sorted out
Working out which company holds your policy should not hold up the drying. We extract the water, set up drying and document everything from the first hour, then send the record to whichever claims team picks up your file.
Our experience with RSA Canada claims
Insurance claims are most of our work, and we have handled claims for RSA Canada policyholders. We know what the RSA Canada 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
Who handles RSA Canada claims now?
RSA is part of Intact Financial Corporation. Check your latest policy documents for the claims number, or call your broker.
Why does rsagroup.ca go to belairdirect?
belairdirect is Intact’s direct insurance brand, and Intact acquired RSA in 2021. The RSA Canada website now redirects there.
Does an RSA policy cover sewer backup?
Some RSA policies included it; others offered it as an optional Water Damage Extension. Your policy documents show which.
Is Delta24 affiliated with RSA or Intact?
No. Delta24 Restoration is an independent restoration company and is not affiliated with or endorsed by RSA, Intact or belairdirect.
Where this information comes from
Checked against RSA Canada’s website in September 2026. Insurers change product names and wording; if anything here differs from your policy, your policy wins. RSA Canada is a trademark of its owner. Delta24 Restoration is an independent restoration company and is not affiliated with or endorsed by RSA Canada.