Water Backup Insurance Definition

Water backup insurance provides coverage for damage to your property caused by a clogged sewer line failed sump pump and backed up drains.

Water backup insurance definition. Damage caused by water that seeps or leaks through the foundation walls is not covered. What causes water backup. A standard definition is this. What is water backup.

If you have water that leaks or seeps into your basement through the foundation walls check to be sure your eve spouts and down spouts are functioning properly. It is a very unpleasant type of water damage because it often involves dirty water from the sewers that will not only destroy your personal property but can also impact your health because it s so unsanitary. Flood insurance is available through a separate policy. Sewer backup describes what happens when water comes up or is pushed into your home through the pipes from sewer or drainage systems.

This can come through sewers drains a sump pump or related equipment. Water backup coverage is an optional add on to a homeowners insurance policy. Water and sewer backup coverage is different from flood insurance and neither are automatically part of a homeowner s policy. Since water backups are such a common and pesky problem just about every company offers this coverage enhancement and it s a fairly high value add on costing as little as 30 a year on top of your standard coverage.

To see the definition of flood click here. Water backup coverage is an optional endorsement that must be added onto a standard homeowners condo or renters insurance policy. The iso ho 00 03 provides coverage for water damage that is the result of a discharge or overflow of a plumbing heating air conditioning or household appliance if it is on the residence premises. Caveats or cautions when dealing with water backup insurance.

This coverage may help pay for water damage resulting from a backed up drain or sump pump. Water backup occurs when water or water borne materials back up into your home. Without the endorsement you would be stuck paying for the cost of cleanup or damages caused by a sump sump pump or similar equipment that s not considered a plumbing system or household appliance. Water backup coverage also called sewer or sump pump backup coverage is one of the more popular and useful homeowners insurance endorsements that you can add to your policy.

Flooding is never covered under a homeowner s policy regardless of whether or not you have the water back up endorsement. Just as your insurance doesn t cover damage caused by a lack of maintenance to the home water backup insurance excludes coverage for disasters determined to be caused by a lack of maintenance for your sewer lines.