area of the interior floor. The flood caused damages to the
flooring, walls, printed products and equipment. The plaintiff
reported the damage to the defendant Gore Mutual Insurance
Company (“Gore”), with whom it had an insurance contract.
Gore denied the plaintiff’s claim on the basis that the loss did
not fall within the scope of coverage. The parties have agreed
that the damages amount to $45,000.
 The plaintiff has brought this motion for partial summary
judgment under Rule 20 of the Rules of Civil Procedure, R.R.O.
1990, Reg. 194 to determine whether the loss is covered by the
contract of insurance between the parties. There is also a claim
against the insurance broker, Worden Insurance & Financial
Services Ltd., which is not before me on this motion.
 The plaintiff has divided this issue into the following sub-issues:
(a) whether the loss is covered by the policy;
(b) whether the loss falls within any exclusions; and
(c) whether the loss falls under the extension of the flood
 The defendant consents to this matter proceeding on the
basis of a summary judgment motion.
 The plaintiff, Parker Pad & Printing Ltd. (“Parker”),
entered into an insurance contract that applied to Parker’s two
office locations, one of which is located in Haliburton, Ontario
(the “premises”). The policy period was from June 14, 2014 to
June 14, 2015. The total premiums paid by Parker were $18,373.
Relevant Terms of Insurance Policy
 The relevant terms of the policy are as follows:
5. PERILS INSURED:
This form, except as herein provided, insures against all risks of direct physical loss of or damage to the property insured.
B. PERILS EXCLUDED
This form does not insure loss or damage caused directly or indirectly:
(b) By “flood”, including waves, tides, tidal waves, tsunami or the
rising of, the breaking out or the overflow of, any body of water,
whether natural or man-made . . .