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What Does Water Damage Mean?

Flood, surface water, waves, tides, tidal waves or overflow of a body of water. We DO NOT cover spray from any of these, whether or not driven by wind.

Water or sewage, which backs up through sewers or drains.

Water below the surface of the ground. This includes water which exerts pressure on, or flows, seeps or leaks through any part of a building or other structure, sidewalk, driveway, foundation, or swimming pool.

EXCLUSIONS ARE PART OF EVERY HOMEOWNERS INSURANCE POLICY. WHAT THOSE EXCLUSIONS MEAN CAN GET COMPLICATED. THE BOTTOM LINE IS THAT IF YOUR HOUSE SUFFERS DAMAGE AS A RESULT OF THE SITUATIONS LISTED ABOVE-THERE IS NO COVERAGE!! THE FEDERAL GOVERNMENT DOES OFFER FLOOD INSURANCE IF YOUR HOME QUALIFIES FOR IT.

THE GOOD NEWS IS THAT FOR A SMALL PREMIUM, YOU CAN BUY AN ENDORSEMENT CALLED "SEWER AND DRAIN BACK UP PROTECTION". WHAT THIS COVERS IS DIRECT LOSS CAUSED BY WATER OR SEWAGE WHICH BACKS UP THROUGH SEWERS OR DRAINS, OR WHICH ENTERS INTO AN OVERFLOW FROM WITHIN A SUMP PUMP, SUMP PUMP WELL OR ANY OTHER SYSTEM DESIGNED TO REMOVE SUBSURFACE WATER WHICH IS DRAINED FROM THE FOUNDATION AREA. ESPECIALLY IF YOUR HOME HAS A BASEMENT, WITH OR WITHOUT A SUMP PUMP OR OTHER TYPES OF DRAINS, YOU MAY WANT TO TALK WITH US TO DETERMINE IF THIS IS A COVERAGE YOU NEED TO PROTECT YOUR HOME AND CONTENTS!


Category: Home Insurance