Winnipeg — A Manitoba couple is speaking out after discovering their home insurance policy does not cover overland flooding, leaving them to bear the cost of significant storm damage.
Unexpected Insurance Gap
Darcy and Tara Richardson of Stony Mountain, Man., were stunned to learn that their insurance policy excludes coverage for overland flooding. The revelation came after a severe storm caused water to enter their home, leading to extensive damage.
“It’s very stressful,” Darcy Richardson told CTV News Winnipeg. “We assumed we were covered, but we were wrong.”
Financial Burden
The couple now faces the daunting task of paying for repairs out of pocket. They are urging other homeowners to review their policies carefully to avoid similar surprises.
“We want others to learn from our mistake,” Tara Richardson added. “Check your policy, ask questions, and make sure you have the coverage you need.”
Expert Advice
Insurance experts recommend that homeowners in flood-prone areas consider purchasing separate overland flood insurance, which is often not included in standard policies. They also advise documenting any damage and contacting insurers promptly after a storm.
The Richardsons are now working with their insurance provider to explore options and hope their story serves as a cautionary tale for others.
