In some cases, the property may not be suitable for habitation until you’ve fixed the damage. Water backups can cause significant damage to your building, flooring and personal belongings. Although everything may look fine from your vantage point, tree roots can wreak havoc with sump pumps.Īlthough some people are at a higher risk of water backup problems, every property owner should consider securing this coverage. The trees on your property can be another risk factor. Therefore, if you have a basement, you may want to purchase water backup coverage. However, some property owners are especially at risk of sewage backups, meaning this coverage is extra important for them.įor example, basements are particularly vulnerable to sump pump failures. Water backup coverage is a good endorsement for anyone. If you don’t have this coverage already, talk to your insurance company or agent about acquiring it. The good news is most insurance companies offer sewer backup insurance as an add-on to your property policy. Flood insurance will only cover water losses caused by widespread flooding, such as after a natural disaster. Certain types of sudden and accidental water damage, such as a burst pipe or leak in the roof, may be covered, but water backups won’t be.įlood insurance policies also exclude water backup losses caused by clogs and sump pump failure. Most homeowners insurance policies and commercial property insurance policies exclude losses caused by water backups. Sewer backup coverage is not included in standard insurance policies. Don’t flood insurance and homeowners insurance include sewage backup coverage? You can purchase water backup coverage as an endorsement for a standard homeowners insurance policy or commercial property insurance policy.Ī water backup endorsement covers damage caused by sewage backup for example, if a clog or sump pump failure causes a backup. Water backup coverage is often an endorsement or add-on to a property insurance policy. Unfortunately, if you haven’t added sewer water backup coverage to your policy, your insurance probably won’t cover the repair costs. It’s a mess and you want it fixed as soon as possible. ![]() ![]() Imagine this scenario: water backs up into your home, damaging your floors and furniture.
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