All About Sewer and Water Backup Coverage

What is Sewer and Water Backup Coverage? 

An optional endorsement on your Homeowners, Renters or Landlord policy that provides protection from costly water damage resulting from backed up drains or failed sump-pumps. 

Does homeowners insurance cover water backup?

The standard homeowners insurance policy without a sewer and water backup endorsement does not typically cover water damage from a sump-pump or drain. Water backup and sump-pump overflow coverage is an optional coverage that must be added on to a homeowners policy.

Do I need water backup coverage?

Yes!  The typical sewer and water backup related claim is now more than $10,000. Even if you do not have a finished basement, you may have a water backup issue that needs to be professionally mitigated to prevent further damage to your home from mold. If you do have a finished basement with a sump-pump or drain, we recommend sewer and water backup coverage of at least $10,000.

Do I have enough coverage?

The average water backup claim is now more than $10,000 according to the Insurance Information Institute! The total amount of coverage would need to be enough to cover the professional water removal or mitigation, repairs to walls or drywall and replacement of any belongings or furniture that were damaged.  

What can I do to avoid a claim?

Sump-pumps should be checked once per year for correct operation. The pumps don't last forever and professional plumbers may suggest evaluating replacement after 10 years of service. A battery back-up system is a great idea as well as back-up sump-pump system. Installing a water warning sensor or alarm in your basement is also a great idea. These can be connected to your monitored alarm system so you are notified of an issue and can take action before it becomes too serious. 

How much does extra coverage cost? 

Sewer and water backup coverage is typically added to your policy in increments of $5,000 and additional coverage is often less than the first $5,000. Call, e-mail or text with your Flury-Hinderks Insurance representative for pricing on additional coverage or any sewer and water backup coverage related questions.