Zurich Canada and commercial water damage claims
This page explains how Zurich Canada handles water damage on a home policy, in plain language, with the facts taken from Zurich 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 Zurich 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.
- Physical damage to the building and contents
- Property claim.
- Income lost while the business is closed
- Business interruption, if on your policy.
- Extra costs to keep operating
- Extra expense, if on your policy.
How a Zurich property claim works
Zurich takes new claims 24/7 by phone, online, fax or email, and contacts the customer within one business day. A property claim can cover physical damage to the building and contents, business interruption, extra expense, and burglary or robbery, depending on the policy.
Zurich also runs a water damage protection program for commercial clients, focused on engineering controls and emergency procedures. If you have an emergency plan from it, follow it, then call us.
Keeping the business open
On a commercial loss the fastest-growing cost is usually the time the business cannot operate. We isolate the affected area with containment, work around your hours where possible, and give you a written drying plan with an expected finish date to share with your adjuster.
What we give the adjuster
Moisture readings, daily drying logs, photographs before anything is removed, an inventory of damaged stock and equipment, and a written rebuild scope. That supports both the property damage and any business interruption claim.
Our experience with Zurich Canada claims
Insurance claims are most of our work, and we have handled claims for Zurich Canada policyholders. We know what the Zurich 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
What is the Zurich Canada claims number?
855-Z-ZURICH, which is 1-855-998-7424, available 24/7/365.
How quickly does Zurich respond to a new claim?
Zurich says it contacts the customer within one business day of receiving a new claim.
Does Zurich Canada insure homes?
Zurich Canada focuses on business insurance. Homeowners should contact their own home insurer.
Is Delta24 affiliated with Zurich?
No. Delta24 Restoration is an independent restoration company and is not affiliated with or endorsed by Zurich.
Where this information comes from
Checked against Zurich Canada’s website in September 2026. Insurers change product names and wording; if anything here differs from your policy, your policy wins. Zurich Canada is a trademark of its owner. Delta24 Restoration is an independent restoration company and is not affiliated with or endorsed by Zurich Canada.