Most insurance companies have “catastrophe teams” that they send to affected areas to help people file claims in person, according to the Insurance Bureau of Canada.

Flooding is the biggest under-insured climate risk in Canada, said Victor Adesanya, vice-president of insurance at DBRS Morningstar, especially during the spring thaw.

A Calgary family is homeless after fire tore through their home. They lost two dogs, all their possessions and a home business in the fire.