What does a Water Backup endorsement cover?
These unpleasant backups can occur for many common reasons, including a heavy rainfall that overwhelms a drainage or sewage system, unruly tree roots that get tangled in a sewer line, debris or other items that clog up a drainage pipe, or a mechanical breakdown of your sump pump. Regardless of the cause, when a backup drives water and sewage into your home, it can lead to tens of thousands of dollars in damages to floors, walls, furniture, electrical systems, and more.
Water Backup Coverage provides homeowners with protection against water damage to their home and personal property if the water or sewage backed up, discharged, or overflowed from:
- A sewer or drain
- A sump, sump pump, or related equipment
- Any system designed to remove subsurface water from the home’s foundation area
Often, when water infiltrates a home, mold issues may quickly follow, so Water Backup Coverage typically also covers minor mold damage that is the result of a water or sewer backup.
In addition, if the reason for your sewer water backup is that the sewer line between your home and the city’s main line is damaged, Water Backup Coverage typically helps you pay for the line to be repaired, as well as the removal of standing sewage from your home, up to the coverage limits stated in your endorsement. Like many homeowners, you may not have realized you were responsible for the maintenance of the underground exterior sewer lines on your property. Now that you are aware these lines are your concern, isn’t it also nice to know there is an endorsement that can help you in taking care of them.