Study shows burst pipes cause most property claims in Quebec

Published: May 29, 2017

Updated: July 24, 2018

Author: Luke Jones



While flood insurance is a hot topic, another kind of water damage is leaving its mark in Quebec. According, to Allstate Insurance Company of Canada, burst water pipes are a common cause of significant claims in the province.

In a press release on Monday, the company offered the information from the Allstate Insurance Safe Homeowners Study.

The study considers incident claims data and shows “there have been notable increases in certain types of claims in Quebec homes over the years”. “Damages due to water, especially burst pipes, are the most frequent and costly home insurance claims in Quebec.”

“Water claims due to burst pipes” account for 53% of claims and are the most common, Allstate reports. Toilet and shower leaks are the next most frequent claims at 35%.

“Some leaks are often readily apparent, such as a burst pipe which can quickly cause major water damage, but other leaks like toilet drips or leaks from the supply tubes can go undetected for years if the source is not clearly visible,” Allstate said. “Older hot water tanks can also result in leaks and other problems, such as poor water quality, inefficiency, and breakdowns.”

Allstate releases the Insurance Safe Homeowners Study each year, comparing data gathered over a 10-year period of claims. The company analyses its claims data to find the most common cause of claims from customers across Quebec.

“Claims data is limited to damages for which there was a payout,” Allstate said. “The data ranks frequency of damage, not severity of loss.”

To help combat some frequent leaks, Allstate recommends customers to check toilet valves and pipes and to listen if they “constantly emits a hissing or gurgling sound when the toilet is not in use.”

Additionally, the company advises homeowners to replace hot water tanks after 10 years.