Independent consumer guide. CanadaWaterDamage247 is not affiliated with Desjardins General Insurance Group. This page provides educational information sourced from Desjardins's public website and state insurance department filings. Not intended as insurance advice. For your specific policy details, contact Desjardins directly or consult a licensed insurance agent.
Desjardins Water Damage Coverage
Independent consumer guide to typical water damage coverage under Desjardins General Insurance Group homeowners policies. Educational information only.
About Desjardins
Founded
1944 (Desjardins insurance arm)
Headquarters
Levis, Quebec
Approx. Market Share
~6% of CA P&C market (predominantly Quebec)
Policy Forms
Comprehensive home, Standard home, Condominium
Source: Desjardins's public website; market share estimates from NAIC industry data.
Typical Water Damage Coverage Approach
Desjardins is the largest insurer in Quebec and operates across Canada following its 2015 acquisition of State Farm Canada. Home policies generally cover sudden water damage. Strong presence in Quebec; broader CA presence through former State Farm Canada operations.
Important: This is general information based on public sources. Desjardins's specific policy terms vary by state, policy form, and coverage tier. Always review your own declarations page and policy documents, or contact Desjardins for clarification on your specific coverage.
Common Riders & Endorsements
Desjardins 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
Hybrid agent + direct model. Strong digital tools. Claim reporting via app, web, phone.
Source: Desjardins's public claims information at their official website.
Important Notes for Desjardins Policyholders
- Cooperative financial group — surplus-sharing in some years
- Quebec residents: coverage may include Quebec-specific endorsements (skipped on this site for Y1)
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: "Desjardins", "Desjardins General Insurance Group", 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 Desjardins. Information is sourced from publicly available materials and is not legal or insurance advice.