TORONTO — As people in southern Ontario survey the damage done by intense flash flooding on Tuesday, the Insurance Bureau of Canada says residents need to figure out what their policies cover.

Torrential rain hit Toronto and the surrounding area on Tuesday, flooding a major highway and a key transit hub amid rainfall warnings for much of southern Ontario.

“Flooding and related sewer backup damage is costly for homeowners, businesses, and municipalities,” said Amanda Dean, the IBC’s vice-president for Ontario and the Atlantic, in a press release Tuesday.