Water backup is one of the most common causes of loss to a homeowner, but is often misunderstood.  Do you know what is and is not covered?

Water Backup – What Is covered:

  • Coverage for water that backs up through sewers or drains as long as it originates on premises.
  • Toilet or shower drain gets clogged and overflows causing damage.

What is not covered:

  • Sewer lines in the street backs up and causes the overflow
  • Water that escapes, overflows or discharges from a sump pump, pump well or any other system designed to remove water which is drained from the foundation area.

What is never covered:

  • Flooding is the most common excluded coverage
  • Water damage covered by surface water entering the house.
  • Overflow originating off-premises
  • Sewer water line breaking in the street and causing water to flow over the surface into the house.
  • Sub surface water such as that from a swimming pool or sprinkler system.

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