CALGARY - Some flood-weary homeowners in southern Alberta have something to celebrate after their insurance companies had a change of heart about covering sewage backup claims.

The basement of Joanne Aime's house in Calgary was completely ruined by sewery water and the stress only got worse when RBC Insurance initially denied a claim for the damage.

Aime said RBC has since reconsidered and her family is overjoyed.

"We are thrilled," said Aime, who was handed a cheque by the company Friday.

"It was our entire basement. It is down to the studs and concrete. We even took the ceiling out. We think it is the right thing to do. It will allow us to rebuild."

Some homeowners have expressed frustration at how their insurance claims for sewer backup were being handled after heavy rains and flooding soaked the region last month.

In some cases, people in the same neighbourhood said they were being treated differently by different companies, even though the language in their insurance policies was similar.

The contentious point is sewer backup. Claims can be denied if there is evidence the backup was directly or indirectly caused by flooding.

RBC Insurance issued a statement Friday to make it clear how it will handle claims filed by people affected by the disaster.

"RBC Insurance is covering all sewer backup claims up to the limit of the policy due to the special circumstances on the ground and our desire to do our utmost to serve and support our clients during this difficult time," company spokeswoman Catherine Hudon said in an email.

"We are also working with clients to assist them in accessing additional government aid for uninsured losses."

AMA Insurance said it strives to do the best for its policyholders but can sometimes make mistakes.

Chief operating officer Robert Katzell said the insurer will send out another adjuster to take a second look if people who have filed a claim with AMA feel they haven't been treated fairly.

"If there is a sewer backup claim, or there is damage that is caused by sewer backup, it will be covered," Katzell said.

"As an Alberta organization we really believe it is our responsibility to look out for Albertans. We try to do the best for them and we don't always succeed, but we certainly try."

Earlier Friday, two AMA adjusters reassessed Calgarian Tom Carter's sewer backup claim that had been previously denied. The original adjuster said the backup had been caused by flooding. The new assessment said there was no evidence of overland flooding and approved his claim.

Carter said after long days of mucking out the basement of his family's home, the decision by AMA Insurance is a relief.

"This is fantastic news," Carter said. "We can get on with repairing the damage and getting life back to the way it was. We are very happy."

Carter said the first adjuster was probably overwhelmed by calls from policyholders and was only able to spend a few minutes assessing his home before turning down the claim.

The AMA adjusters who approved his claim Friday were at his home for about 45 minutes.

People who have uninsurable property damage caused by overland flooding can apply to the Alberta government for disaster recovery money to make some household repairs and to replace some essential items.

But there are restrictions on what people can claim. For example, televisions, luxury items and paintings aren't covered.

Carter said he knows that thousands of other people face the same challenge he did when dealing with sewer backup damage from the floods.

He said it would be great if other insurance companies could step up for their policyholders.

"The hope is that everyone who can, gets coverage for this. It has been a terrible thing to have to go through."

— By John Cotter in Edmonton

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  • Homeowner Eddy Marshall becomes emotional as he surveys the damage to his basement at his residence in High River, Alberta on Monday, July 1, 2013. A second wave of homeowners and business owners were allowed to return to the flood ravaged town since the disaster struck on June 20. THE CANADIAN PRESS/Jordan Verlage

  • Mike Sojer moves clothing and items from his family's clothing store as clean up work commences on downtown places of business in High River, Alberta on July 1, 2013. A second wave of homeowners and business owners were allowed to return to the flood ravaged town since the disaster struck on June 20. THE CANADIAN PRESS/Jordan Verlage

  • A resident walks past a motor boat lying in the street in High River, Alberta on Monday, July 1, 2013. A second wave of homeowners and business owners were allowed to return to the flood ravaged town since the disaster struck on June 20. THE CANADIAN PRESS/Jordan Verlage

  • Homeowner Eddy Marshall carries belonging from his basement at his residence in High River, Alberta on Monday, July 1, 2013. A second wave of homeowners and business owners were allowed to return to the flood ravaged town since the disaster struck on June 20.THE CANADIAN PRESS/Jordan Verlage

  • Mud and building contents litter the sidewalk as clean up work commences on downtown places of business in High River, Alberta on Monday, July 1, 2013. A second wave of homeowners and business owners were allowed to return to the flood ravaged town since the disaster struck on June 20. THE CANADIAN PRESS/Jordan Verlage

  • A pile of debris sits outside a Town of High River Municipal building as clean up work commences on downtown places of business in High River, Alberta on Monday, July 1, 2013. A second wave of homeowners and business owners were allowed to return to the flood ravaged town since the disaster struck on June 20. THE CANADIAN PRESS/Jordan Verlage

  • A volunteer's boots are caked with mud as clean up work continues on downtown places of business in High River, Alberta on Monday, July 1, 2013. A second wave of homeowners and business owners were allowed to return to the flood ravaged town since the disaster struck on June 20. THE CANADIAN PRESS/Jordan Verlage

  • Water surrounds homes in a flooded neighborhood in High River, Alberta, Canada on Saturday, June 29, 2013. The Alberta government is letting people who live in High River return to their homes in stages after being forced out by floods over a week earlier. (AP Photo/The Canadian Press, Jeff McIntosh)

  • Water floods a neighborhood in High River, Alberta, Canada on Saturday, June 29, 2013. The Alberta government is letting people who live in High River return to their homes in stages after being forced out by floods over a week earlier. (AP Photo/The Canadian Press, Jeff McIntosh)

  • A residents cleans up his home in High River, Alberta, Canada on Saturday, June 29, 2013. The Alberta government is letting people who live in High River return to their homes in stages after being forced out by floods over a week earlier. (AP Photo/The Canadian Press, Jeff McIntosh)

  • Water floods a neighborhood in High River, Alberta, Canada on Saturday, June 29, 2013. The Alberta government is letting people who live in High River return to their homes in stages after being forced out by floods over a week earlier. (AP Photo/The Canadian Press, Jeff McIntosh)

  • Waters flood a neighborhood in High River, Alberta, Canada on Saturday, June 29, 2013. The Alberta government is letting people who live in High River return to their homes in stages after being forced out by floods more than a week ago. (AP Photo/The Canadian Press, Jeff McIntosh)

  • Heaps of damaged goods pile up on High River streets, as residents are finally allowed to return.

  • Resident Christine Doefel wipes away tears as she leaves a reception centre after getting entry permits and clean-up kits from the Red Cross in High River, Alta., Saturday, June 29, 2013. The Alberta government is letting people who live in High River return to their homes in stages after being forced out by floods more than a week ago.THE CANADIAN PRESS/Jeff McIntosh

  • A Red Cross volunteer helps residents as they leaves a reception centre after getting an entry permit and a clean-up kit from the Red Cross in High River, Alta., Saturday, June 29, 2013. The Alberta government is letting people who live in High River return to their homes in stages after being forced out by floods more than a week ago.THE CANADIAN PRESS/Jeff McIntosh

  • Residents Christine Doefel, left, and her daughter Brooklynn Carney, embrace as the leave a reception centre after getting entry permits and clean-up kits from the Red Cross in High River, Alta., Saturday, June 29, 2013. The Alberta government is letting people who live in High River return to their homes in stages after being forced out by floods more than a week ago.THE CANADIAN PRESS/Jeff McIntosh

  • Residents leave a reception centre after getting entry permits and clean-up kits from the Red Cross in High River, Alta., Saturday, June 29, 2013. The Alberta government is letting people who live in High River return to their homes in stages after being forced out by floods more than a week ago.THE CANADIAN PRESS/Jeff McIntosh

  • Residents embrace as they leave a reception centre after getting an entry permit and a clean-up kit from the Red Cross in High River, Alta., Saturday, June 29, 2013. The Alberta government is letting people who live in High River return to their homes in stages after being forced out by floods more than a week ago.THE CANADIAN PRESS/Jeff McIntosh

  • A residents leaves a reception centre after getting an entry permit and a clean-up kit from the Red Cross in High River, Alta., Saturday, June 29, 2013. The Alberta government is letting people who live in High River return to their homes in stages after being forced out by floods more than a week ago.THE CANADIAN PRESS/Jeff McIntosh

  • Residents leave a reception centre after get entry permits and clean-up kits from the Red Cross in High River, Alta., Saturday, June 29, 2013. The Alberta government is letting people who live in High River return to their homes in stages after being forced out by floods more than a week ago.THE CANADIAN PRESS/Jeff McIntosh

  • Residents wait in line to get entry permits to the flooded town of High River, Alta., Saturday, June 29, 2013. The Alberta government is letting people who live in High River to return to their homes in stages after being forced out by floods more than a week ago. THE CANADIAN PRESS/Jeff McIntosh

  • Al Moore, a 42-year-resident of High River, listens to the radio broadcast on Friday, June 28, 2013 of the new re-entry plan for evacuees northwest of High River, Alberta. THE CANADIAN PRESS/Jordan Verlage

  • The Calgary flood as seen from space.

  • The Calgary flood as seen from space compared with a before-and-after photo.

  • Calgary mayor Naheed Nenshi, middle, and Calgary Stampeders president Gord Norrie, 2nd right, and others during pregame cerimonies honoring Alberta Flood Relief first responders and find raising efforts prior to CFL action between Calgary and BC in Calgary, Alberta on Friday, June 28, 2013. (CFL PHOTO - Larry MacDougal)

  • Calgary Stampeders Jon Cornish leaps with the ball during second half CFL action against the BC Lions in Calgary, Alberta on Friday, June 28, 2013. Cornish pledged $2,000 to Alberta flood relief immediately following the game. (CFL PHOTO - Larry MacDougal)

  • Cleanup continues on the Calgary Stampede grounds one week after major flooding in Calgary, Alberta on Thursday, June 27, 2013. The Elbow River flows by on to top and left, Saddledome is situated lower right and the chuckwagon track and rodeo grounds are top.

  • This photo provided by Transportation Safety Board shows a train with derailed tankers at the Bonny Brook bridge in Calgary, Alberta Canada on Thursday, June 27, 2013. The City of Calgary says conditions have stabilized at the site of the bridge collapse that caused six cars to derail and start sinking into the Bow River. Canadian Pacific Railway says five of the cars are carrying a petroleum product used to dilute raw oilsands bitumen. The city's acting fire chief has said crews are stringing a cable through the railcars and securing it to bulldozers on land. The industrial area near the bridge has been evacuated and booms are being deployed down river in case of any spills. There are no homes nearby, but several business are effected. (AP Photo/Transportation Safety Board via The Canadian Press)

  • Monica West carries damaged goods out of a souvenir shop as clean-up crews work at the Calgary Zoo in Calgary, Alberta, Canada on Tuesday, June 25, 2013. Heavy rains caused flooding, closed roads, and forced evacuations across Southern Alberta. Calgary Zoo staff risked their lives over the weekend to stop a hippo from escaping into the swollen Bow River. Director of animal care, conservation and research, Jake Veasey, says flood waters in the hippos' enclosure rose high enough during the floods for the dangerous herbivores to swim out. One hippo named Lobi was feeling particularly adventurous and was moving freely around the African Savannah building. Veasey had to break a window to get into the building and he swam in the muddy flood waters to find the animal. Zoo staff used cinder blocks and construction equipment to block Lobi inside the building. (AP Photo/The Canadian Press, Jeff McIntosh)

  • A muddied research book dries as clean-up crews work at the Calgary Zoo in Calgary, Alberta, Canada on Tuesday, June 25, 2013. Heavy rains caused flooding, closed roads, and forced evacuations across Southern Alberta. Calgary Zoo staff risked their lives over the weekend to stop a hippo from escaping into the swollen Bow River. Director of animal care, conservation and research, Jake Veasey, says flood waters in the hippos' enclosure rose high enough during the floods for the dangerous herbivores to swim out. One hippo named Lobi was feeling particularly adventurous and was moving freely around the African Savannah building. Veasey had to break a window to get into the building and he swam in the muddy flood waters to find the animal. Zoo staff used cinder blocks and construction equipment to block Lobi inside the building. (AP Photo/The Canadian Press, Jeff McIntosh)

  • A soldier walks by a pile of speedboats in High River, Alberta on Tuesday, June 25, 2013. High River was hit by a devastating flood on June 20 which caused a mass evacuation of the entire town although some residents chose to defy the order. Alberta's premier pledged $1 billion on Monday to help people recover from the floods. (AP Photo/The Canadian Press, Jordan Verlage)

  • A road crew foreman surveys the washed-out lanes of northbound MacLeod Trail in Calgary, Alta., Monday, June 24, 2013. Heavy rains caused flooding, closed roads, and forced evacuations across Southern Alberta. (AP Photo/The Canadian Press, Jeff McIntosh)

  • Clean-up crews work at the Calgary Zoo in Calgary, Alberta, Canada on Tuesday, June 25, 2013. Heavy rains caused flooding, closed roads, and forced evacuations across Southern Alberta. Calgary Zoo staff risked their lives over the weekend to stop a hippo from escaping into the swollen Bow River. Director of animal care, conservation and research, Jake Veasey, says flood waters in the hippos' enclosure rose high enough during the floods for the dangerous herbivores to swim out. One hippo named Lobi was feeling particularly adventurous and was moving freely around the African Savannah building. Veasey had to break a window to get into the building and he swam in the muddy flood waters to find the animal. Zoo staff used cinder blocks and construction equipment to block Lobi inside the building. (AP Photo/The Canadian Press, Jeff McIntosh)

  • Wreckage lies along Center Street in High River, Alberta on Tuesday, June 25, 2013. High River was hit by a devastating flood on June 20 which caused a mass evacuation of the entire town although some residents chose to defy the order. Alberta's premier pledged $1 billion on Monday to help people recover from the floods. (AP Photo/The Canadian Press, Jordan Verlage)

  • Calgary firefighters check on homes as residents and volunteers are in clean up mode in the community of Bowness as most of the homes have been pumped out with still some remaining submerged in water in Calgary, Alberta, on Monday, June 24, 2013. Alberta's premier pledged $1 billion on Monday to help people recover from floods that devastated parts of the western Canadian province. (AP Photo/The Canadian Press, Nathan Denette)

  • A road crew foreman surveys the washed-out lanes of northbound MacLeod Trail in Calgary, Alta., Monday, June 24, 2013. Heavy rains caused flooding, closed roads, and forced evacuations across Southern Alberta. (AP Photo/The Canadian Press, Jeff McIntosh)

  • Thaya Gallant

    Thaya Gallant helps with the flood clean-up at a law office in Calgary, Alta., Monday, June 24, 2013. Heavy rains caused flooding, closed roads, and forced evacuations across Southern Alberta. (AP Photo/The Canadian Press, Jeff McIntosh)

  • Calgary firefighters check on home as residents and volunteers are in clean up mode in the community of Bowness as most of the homes have been pumped out with still some remaining submerged in water in Calgary, Alberta on Monday, June 24, 2013. Alberta's premier pledged $1 billion on Monday to help people recover from floods that devastated parts of the western Canadian province. (AP Photo/The Canadian Press, Nathan Denette)

  • People watch as the river peaks, causing flooding in Medicine hat, Alta., on Monday, June 24, 2013. Officials in Medicine Hat said Monday they believe water levels on the South Saskatchewan River have peaked and that flooding won't be as severe as initially feared. Roughly 10,000 people were evacuated as the city of 60,000 prepared for the surge of water that swamped Calgary and surrounding areas last week. (AP Photo/The Canadian Press, Nathan Denette)

  • Residents and volunteers are in clean up mode in the community of Bowness as most of the homes have been pumped out with still some remaining submerged in water in Calgary, Alberta on Monday, June 24, 2013. Alberta's premier pledged $1 billion on Monday to help people recover from floods that devastated parts of the western Canadian province. (AP Photo/The Canadian Press, Nathan Denette)

  • Lisa Nguyen

    Resident Lisa Nguyen, right, cleans of the mud from photographs and negatives as volunteer Jacinta Babbitt, left, shows a clean picture of Nguyen when she was younger during flood clean up in the community of Bowness in Calgary, Alberta on Monday, June 24, 2013. Alberta's premier pledged $1 billion on Monday to help people recover from floods that devastated parts of the western Canadian province. (AP Photo/The Canadian Press, Nathan Denette)

  • Residents and volunteers are in flood clean up mode in the community of Bowness in Calgary, Alberta on Monday, June 24, 2013. Alberta's premier pledged $1 billion on Monday to help people recover from floods that devastated parts of the western Canadian province. (AP Photo/The Canadian Press, Nathan Denette)

  • Daniel Boddy, nine, helps with the clean-up work as hose lines from pumps drain water from flooded basement in the Bridgeland neighborhood in Calgary, Alta., Sunday, June 23, 2013. Heavy rains caused flooding, closed roads, and forced evacuation across Southern Alberta.

  • Daniel Boddy, nine, helps with the clean-up work as hose lines from pumps drain water from flooded basement in the Bridgeland neighborhood in Calgary, Alta., Sunday, June 23, 2013. Heavy rains caused flooding, closed roads, and forced evacuation across Southern Alberta.

  • A boy crosses a silt covered street in Chinatown as clean-up crews work in Calgary, Alta., Sunday, June 23, 2013. Heavy rains caused flooding, closed roads, and forced evacuation across Southern Alberta.

  • People place sand bags as the river rises rapidly and begins flooding in Medicine Hat, Alberta, on Sunday, June 23, 2013.

  • Homeowner Glenn Tibbles looks at the damage done by floodwaters to his home near downtown Calgary, Alberta, on Sunday, June 23, 2013. About 65,000 residents of Calgary were being allowed to return to their homes Sunday to assess the damage from flooding that has left Alberta's largest city awash in debris and dirty water.

  • Cpl. Brett Martens from CFB Edmonton helps a resident clear out damaged debris from their home near downtown Calgary, Alberta, on Sunday, June 23, 2013. About 65,000 residents of Calgary were being allowed to return to their homes Sunday to assess the damage from flooding that has left Alberta's largest city awash in debris and dirty water.

  • A home is inundated with floodwaters on the Siksika First Nation, Alberta, on Sunday, June 23, 2013. Alberta's municipal affairs minister says 27 communities are under a state of emergency as some areas begin to recover from flooding while others are still bracing for it.

  • People watch as the river rises rapidly and begins flooding in Medicine Hat, Alta., on Sunday, June 23, 2013. THE CANADIAN PRESS/Nathan Denette

  • Floodwaters inundate homes in Medicine Hat, Alberta, on Sunday, June 23, 2013. Alberta's municipal affairs minister says 27 communities are under a state of emergency as some areas begin to recover from flooding while others are still bracing for it.