Water Backup Insurance Definition

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 insurance definition. This coverage may help pay for water damage resulting from a backed up drain or sump pump. This can come through sewers drains a sump pump or related equipment. Damage caused by water that seeps or leaks through the foundation walls is not covered. 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.

It also covers mold damage to your home caused by water or sewer backup. What causes water backup. We insure up to the limit of liability shown in the declarations for this coverage for direct physical loss not caused by the negligence of an insured to property covered under section i caused by water or water borne material which. To see the definition of flood click here.

What does the water backup endorsement say. 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. It offers coverage in varying amounts that extends to damage done by raw sewage backing up into your home. 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.

What is water backup insurance. Water and sewer backup coverage is different from flood insurance and neither are automatically part of a homeowner s policy. 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.

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. For instance it may help cover the cost of replacing furniture or removing water after an unexpected backup. Water backup coverage is an optional endorsement that must be added onto a standard homeowners condo or renters insurance policy. Sometimes referred to as sewer backup insurance water backup insurance must be purchased as a special addition to your standard insurance policy.

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