Many homeowners are surprised to learn that damage caused by water backing up through sewers, drains, or sump pumps is often excluded from a standard homeowners policy. Water backup coverage is an optional endorsement that helps provide protection for this type of loss.
What It Covers
Water backup coverage helps pay for damage caused by water that backs up through sewers, drains, or sump pumps after a covered event, subject to your policy terms and coverage limits. Depending on the loss, it may help cover damage to finished basements, flooring, drywall, and personal belongings.
Worth Asking About
If your home has a finished basement, water backup coverage is worth reviewing. Many policies include little or no coverage by default, making it an important endorsement to understand.
Water backup is often one of the most affordable endorsements you can add to a homeowners policy. During a coverage review, I'll explain how your policy handles this type of loss and help you determine whether your current coverage is appropriate for your home.
