Water Backup Coverage

Protecting Your Home Beyond Homeowners Insurance

Most basic home insurance policies have limited coverage for water damage. As a homeowner, it's important to understand exactly what you're covered for in case of water damage.

Generally speaking, water damage may be covered under your home insurance policy if the damage is “sudden and accidental.” For example, damage from a frozen pipe bursting or a roof leak from a fallen tree may be covered if you've kept your home in a good state of repair.

Water Backup, also referred to as “sewer and sump pump overflow,” or “escape of water” coverage, is an optional coverage homeowners can add to their policies to help cover the cost of water damage caused by sewer backups, or sump pump failures.

Water Backup may help cover water damage caused by:

• Sewer backups
• Sump pumps and other systems designed to remove water from the foundation of your home — even if the damage is due to a mechanical breakdown

To give an example, let's say the sump pump in your basement malfunctions and causes damage to the carpet. Water Backup will help cover the cost of replacing the carpet but not the sump pump or other equipment that contributed to the damage.

If a backup occurs water backup coverage can cover the physical loss of:

• Structural, such as walls and flooring
• Personal belongings, such as furniture, electronics, and carpets
• Standing sewage in the home
• Minor mold damage that is the direct result of the water or sewer backup
• Medical Payments to Others
• Loss Assessment

Water Backup does NOT cover:

• Repairs from normal wear and tear of pipes, plumbing, and sump pump equipment
• Water damage caused from water outside the home, such as from pools or bodies of water like the ocean
• Flood damage
• Damage from surface or sub-surface water

Give us a call (914) 693-3500 today to learn how we can protect what you value most!

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