Allstate Canada says water damage claims from external flooding nearly doubled in 2025

Core Insights - Allstate Canada reported a significant increase in water-related home insurance claims for 2025, highlighting a gap between risk awareness and preventive measures taken by homeowners [1][2]. Claims Data - Home insurance claims due to external water sources nearly doubled, increasing by 94% in 2025 compared to 2024, with water damage accounting for 24% of all home insurance claims in 2025 [2]. - From 2021 to 2025, water damage represented over 40% of all home insurance claims, with external water sources responsible for nearly one-third (31%) of all water-related claims during this period [2]. Risk Awareness and Prevention - A Léger survey indicated that while many Canadians recognize the risk of flooding, there is a lack of action to mitigate it, with 53% of respondents not planning to take any preventive measures for flooding this spring [3][5]. - Among those planning preventive actions, the most common step is clearing gutters and drains (26%), while only 17% intend to hire professionals for assistance, suggesting a potential underestimation of necessary preventive measures [5]. Recommendations for Homeowners - Allstate Canada encourages homeowners and renters to take proactive steps to reduce flooding risks, such as cleaning gutters, testing sump pumps, and communicating early with landlords about potential issues [4][6]. - Homeowners are advised to review their insurance policies to understand coverage for water damage and identify any gaps in optional coverage [6]. Survey Methodology - The Léger poll was conducted among 1,527 Canadians aged 18 and over, assessing their concerns about flooding and awareness of flood-related insurance coverage [5][7].