basement flooding due to municipal pipe work
(small town, central ontario)
Two weeks ago the municipality i live in dug up my frozen front lawn, the boulevard, and the road to replace a faulty water main that had froze the year before, and while doing so drilled under my house and through the basement floor cut a 12x12 hole to bring in a new feed line to my house (water meter). While drilling, they made contact with something under my house that cause the whole house to shake with a loud noice (my wife compared it to when someone struck a parked car on the road in front of my house). It blow a hole out of the foundation wall that was about 4" high by 4" deep and 18" wide and a crack from the floor through the hole all the way up was left. The said they would come back later to repair the foundation damage but before they could i found 8" of water in my basement that ruined my furnace, hot water heater, freezer, tons of contents, etc. There was water bubbling up with sand through the hole they cut in my basement floor (concrete) and it was obvious, to me anyway and those that have looked at it from the restoration company where the water had entered. The water came in because outside the temps dropped and we had rain. The insurance company want to label it as seepage and i'm not sure if they'll cover anything, while the municipality has stated it's coming in through my foundation. Eleven years in the house and never had a flood, minor seepage in the spring in one location that was completely dry yesterday when this all happened.
prior to this work i've never had a problem, so who's responsible for all of this as it's clear to me it shouldn't be my problem, the work, the cleanup, the contents, none of it ? Or for what parts should each party be reliable ? The damage, since mixed with oil from my furnace is severe and costly to clean up, and everyone is basically blaming everyone at this point though no final decisions have been made regarding coverage by the town or insurance. Please help me understand this better.
Claim Due to Municipal Work
Situations like this are very aggravating. My personal opinion is that the city is liable. With considerable effort from you in pressuring them, and your insurer, the city will likely pay the damages.
The way the home insurance policy usually reads it likely could be interpreted as seepage.
Please be sure to discuss this with a licensed insurance representative. And you can try getting quotes here:
Ask another question at House Insurance Questions and Answers
Note: Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility. Make sure you review the "please read" page. www.canada-insurance-source.com
OR visit Canada Home Insurance