Insurance likely won't cover flood damaged homes
In the flooded town of Sooke, B.C. on Vancouver Island, the water is receding - but the problems remain.
One homeowner's trailer is still drying out after being soaked earlier this week.
The river that brought all the water is now choked with more than 100 truck loads of debris.
"It is a big mess," says Gary Vanzetta, who is helping with the cleanup. "We're just trying to get things opened up for access into the property."
The road to one property alone sustained $50,000 in damage. The owner says he doesn't know who will pay to get it fixed.
In Canada, it is the land owner that is on the hook for flood damage because you can't buy flood insurance.
"Lots of different kinds of water loss is covered by homeowners policies but the one piece that is not covered is for water that escapes over land from a body of water like a like a lake or a stream or a river," says Lindsay Olson of the Insurance Bureau of Canada.
Water levels are finally returning to safe levels following this week's torrent of rain and melting snow, but homeowners are just beginning the soggy cleanup.
The government has announced up to $300,000 in disaster financial relief for homeowners who live in the hard hit Fraser Valley or on the west coast of Vancouver Island. Essential items in your primary residence can be covered.
But if you read the fine print, there are a lot of things not covered.
Homeowners won't be compensated for damage to recreational properties, patios, landscaping, boats or luxury items.
That means damage to many homes probably won't be covered.
With a report from CTV British Columbia's Jim Beatty