Square One Insurance and water damage: what’s covered and how the claim works
This page explains how Square One Insurance handles water damage on a home policy, in plain language, with the facts taken from Square One 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 Square One 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 or appliance leak
- Water escape. Included.
- Water coming up through a floor drain or toilet
- Water backup. Built into every Square One policy.
- Rain, snowmelt or an overflowing river getting in
- Inland flood. Automatically included in most policies.
- Broken water or sewer line in the yard
- Service line coverage, where added.
Most people with Square One are already covered for a sewer backup
With most insurers, a backup through the floor drain is only covered if you bought an add-on. Square One builds water escape and sewer backup into every Canadian policy it sells, and includes inland flood (fresh water or waste water that escapes a lake, river, stream, reservoir or canal, or comes from snowmelt or rainfall) in most policies automatically.
So if you have Square One and your basement has flooded, the likely question is not whether you are covered but what your limit and deductible are. Your policy documents show both.
How the claim works with Square One
Square One runs a 24/7 emergency claim line and guarantees a response within 2 hours on emergency claims. Every claim is handled by a single adjuster from start to finish, so you are not re-explaining the loss to someone new each week.
Photograph everything before it moves, keep damaged items until the adjuster has seen them, and get the water out. Drying does not need to wait for the adjuster.
What we do on a Square One claim
We extract the water, map the moisture with meters and thermal imaging, remove what cannot be dried and dry the structure to a measured standard with a daily log. Because one adjuster owns your file, we send the same record straight to them: readings, photographs and a written scope, so the estimate can be agreed quickly.
Our experience with Square One Insurance claims
Insurance claims are most of our work, and we have handled claims for Square One Insurance policyholders. We know what the Square One 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 Square One cover sewer backup?
Yes. Square One builds water backup (sewer backup) coverage into every policy it sells in Canada, at no extra cost.
Does Square One cover flooding?
Inland flood is automatically included in most Square One home policies. Check your policy documents to confirm it is on yours.
How fast does Square One respond to an emergency claim?
Square One guarantees a response within 2 hours on emergency claims, through its 24/7 emergency claim line.
Is Delta24 affiliated with Square One?
No. Delta24 Restoration is an independent restoration company and is not affiliated with or endorsed by Square One Insurance.
Where this information comes from
Checked against Square One Insurance’s website in September 2026. Insurers change product names and wording; if anything here differs from your policy, your policy wins. Square One Insurance is a trademark of its owner. Delta24 Restoration is an independent restoration company and is not affiliated with or endorsed by Square One Insurance.