6 Types of Water Backup Insurance Coverage You Need to Know
Water backup Insurance coverage is an amendment that you can add to your home insurance policy that protects against damage to your home or personal property because of water that backups through sewers, drains, and discharges or overflows from a sump, sump pump, or related equipment. We will discuss 6 types of water backup insurance coverage.
ARE YOU COVERED?
Water backup coverage includes water removal, construction materials/labor and replacement costs for items and structures damaged from accidental water overflow. There are various circumstances that can cause water to flow back into your home, many of which a traditional water backup insurance policy covers.
6 TYPES OF WATER BACKUP COVERED BY INSURANCE
There are 6 types of water backups that are typically covered by insurance including:
- Blockage in city pipelines
- Gutter system backup around your home
- Malfunctioning appliances
- Old or damaged sewers or drains
- Overflow from a sump pump
- Tree root growth
WHAT IS INCLUDED IN COVEREAGE
Since water backups and overflows can create unsanitary conditions, this coverage will help you pay to remove any standing water, replace your belongings, repair the structure of your home and remove any mold growth caused by the overflow. It also supplies you with loss of use coverage, so that you have a place to stay if your home can’t be lived in for some time.
WATER BACKUP COVERAGE VS. FLOOD INSURANCE
While the damage caused by water backup and floods can be similar, the insurance policies for these perils are not. Water backup coverage is specific to issues caused by systems inside or near the home, such as sewer lines, appliances, sump pumps and drainage systems.
Flood insurance only covers flooding from natural disasters like a flood from a rainstorm or overflowing body of water. Though both will help you recover physically and financially, it’s important to understand the difference between the two so you know which policy best fits your needs.
SPEAK TO THE EXPERTS
At Conner Insurance, we have set the standard for superior guidance and exceptional service for more than 70 years. Contact us at (317) 808-7711 to speak to one of our advisors. We are located in Indiana and serve the whole state, including Indianapolis, Fort Wayne, Carmel, Noblesville, Westfield, Fishers, Brownsburg, and Evansville. We also provide insurance and benefits to all fifty states.