Independent consumer guide. CanadaWaterDamage247 is not affiliated with Definity Insurance Company (formerly Economical Insurance). This page provides educational information sourced from Definity / Sonnet / Economical's public website and state insurance department filings. Not intended as insurance advice. For your specific policy details, contact Definity / Sonnet / Economical directly or consult a licensed insurance agent.
Definity / Sonnet / Economical Water Damage Coverage
Independent consumer guide to typical water damage coverage under Definity Insurance Company (formerly Economical Insurance) homeowners policies. Educational information only.
About Definity / Sonnet / Economical
Founded
1871 (Economical); rebranded Definity 2021 IPO
Headquarters
Waterloo, Ontario
Approx. Market Share
~5% of CA P&C market
Policy Forms
Sonnet (digital direct), Economical (broker channel), Family Insurance
Source: Definity / Sonnet / Economical's public website; market share estimates from NAIC industry data.
Typical Water Damage Coverage Approach
Definity operates Sonnet (digital direct-to-consumer) and Economical (broker channel) brands. Home policies generally cover sudden water damage from internal sources. Sonnet's online quoting includes overland flood and sewer backup as easily-added endorsements.
Important: This is general information based on public sources. Definity / Sonnet / Economical's specific policy terms vary by state, policy form, and coverage tier. Always review your own declarations page and policy documents, or contact Definity / Sonnet / Economical for clarification on your specific coverage.
Common Riders & Endorsements
Definity / Sonnet / Economical typically offers the following endorsements that may be relevant to water damage scenarios. Availability varies by state and tier:
- ✓Sewer backup endorsement
- ✓Overland water endorsement
- ✓Earthquake endorsement
Claim Process Notes
Sonnet offers fully digital claim filing. Economical uses broker-mediated process. National restoration network referral.
Source: Definity / Sonnet / Economical's public claims information at their official website.
Important Notes for Definity / Sonnet / Economical Policyholders
- Sonnet is one of Canada's first fully digital home insurance experiences
- Easy online quote comparison advantageous for shoppers
General Water Damage Claim Best Practices
Regardless of carrier, water damage claims generally follow similar best practices:
- Mitigate further damage (stop water source if safe)
- Document with photos and video before cleanup
- Contact your insurance company promptly
- Keep receipts for emergency mitigation services
- Get IICRC-certified contractors for restoration work
- Verify direct billing arrangements before authorizing work
- Maintain a written timeline of communications
Active Water Damage? Get Connected to a Specialist
We connect homeowners with licensed, IICRC-certified water damage restoration contractors. Many network contractors handle insurance claim coordination directly.
Trademark notice: "Definity / Sonnet / Economical", "Definity Insurance Company (formerly Economical Insurance)", and related logos and product names are trademarks of their respective owners. CanadaWaterDamage247 uses these names solely for nominative/descriptive purposes under the doctrine of fair use to identify the carrier discussed in this educational content. CanadaWaterDamage247 is not affiliated with, endorsed by, or sponsored by Definity / Sonnet / Economical. Information is sourced from publicly available materials and is not legal or insurance advice.