Water Damage and Sewer Backup Coverage

Water damage can result from multiple sources, but home insurance often limits what is covered. Here are ways to extend your protection:

• Water Backup Coverage: Standard policies may not cover water backup from sewers or drains. Adding this endorsement ensures that damage from sewer backups or sump pump failures is covered.
• Flood Insurance: Flooding from external sources (like rain or rising rivers) isn’t covered by standard home insurance. If you’re in a flood-prone area, flood insurance through the National Flood Insurance Program (NFIP) or a private provider is essential.
• Gradual Damage Exclusions: Water damage caused by slow leaks or long-term wear is often excluded, so perform regular maintenance and address leaks immediately to prevent claim denials.