Case Study


Ruptured water line insurance coverage

Synopsis of Complaint:

The client suffered water damage caused by a ruptured service line pipe. The insurer had denied the claim based on the fact that the cause of the water damage was a ruptured service line, and that the plumbing system was outside the dwelling

Review by GIO:

Upon review it was determined that in their policy, under the Tear Out section, it was not mentioned that the plumbing system had to be inside the dwelling for the cost of the tear out to be covered.


The insurer reviewed their position and decided to settle with the client.


If you want to learn more about water damage and what may be covered by your insurance, click here.

GIO is an independent body set up to help Canadians find a fair resolution to disputes with insurance providers. GIO can provide advice on dealing with your insurance company as a first step. If you are not satisfied with the decision from your provider on your claim, GIO can help resolve your claim. 

If you’d like to submit a claim visit here.

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