Is water back up in basements covered by a flood insurance policy?
Coverage for water back up in basements (drains/sewers) is excluded from the flood insurance policy. • Can I get coverage for water back up in basements? Although basement water back up is excluded under most homeowners’ insurance policies, coverage can be obtained by purchasing an endorsement. Most insurance companies offer sewer and drain back up as optional coverage. Coverage and limits vary by insurance company, so check with your agent/company about specifics. Some insurers include full coverage for sump pump failure while others specify items that are covered. • Are there steps I can take to minimize losses from water back up in basements? • Never store perishables or valuables in basements that you can’t afford to lose or replace. • Do not store any item near basement drains. • Check storm drain lines to make sure they’re clear of debris, roots, etc. • Grade the property around your home to drain water away from it. • Install gutters and make sure downspouts are extended away fr
