Are water backups in basements covered?
Water backup from the ground, sewer line, etc., is not covered under the standard homeowner’s contract. A separate rider must be purchased in order to insure against some of this exposure. The rider is available to provide coverage in the event of a “sump pump” failure. In addition, this rider also provides coverage for water coming into your house if a water or sewer line were to break outside your home. The policy will not pay for repair of the sump pump itself or repair of the broken water or sewer line. The rider will pay for the water damage as a result of these occurrences. Coverage is purchased for a specific dollar amount. The maximum limit varies by company and ranges from $5,000 to $25,000. Please call us to discuss this very important coverage and review any other questions you may have about your policy.
