Water backup and sump overflow coverage is an endorsement that can be added to your homeowners insurance to help pay for damage caused by backed up sewers, drains, and sump pumps.
Sewer backups and sump overflows seem like common enough problems that homeowners are often surprised to learn that damage caused by these events are usually excluded from home insurance. Luckily, most insurance companies offer an endorsement to cover water backup and sump overflow.
This endorsement is usually an inexpensive add-on that may cover damage to your property that’s caused by:
Say a drain backs up in your house, causing murky water to warp your floors and walls. Water backup coverage may help pay for those repairs.
The pipes that carry water to and from your home are your responsibility. They can back up because of debris or heavy rains – sometimes even tree roots crack through pipes under your property. When they do, the resulting damage can be pretty severe.
Water backup coverage typically helps you recover from that damage by paying for:
We can offer water backup and sump overflow coverage as an add-on to your policy with coverage limits of either $5,000 or $10,000 and a $1,000 deductible.
Water backup coverage typically does not pay for damage caused by:
The cost of water backup coverage varies from company to company, but it typically ranges from $25 to $70 a year. The best way to find out? Get a quote!
An ounce of prevention is worth a pound of cure. While water backup coverage is an essential safety net when the unexpected happens, do what you can to prevent backups and overflows. For example:
With a little care, you can reduce your chances of having water backup problems. That not only saves you the hassle of cleanup, but it minimizes the likelihood of filing claim – and that saves you money in the long run.
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