What Policyholders Should Know About: Sump Pump Failure, Sewer Back Up and Water Back Up Coverage.
You might think you are covered
The risk what is known in the insurance industry as sump pump failure, sewer back up, water back up or sometimes rising water coverage. These coverages are never part of a standard policy.
This type of coverage is an endorsement to the policy. It covers property damage by water that backs up into the home through drains, sewer, pipes, water service, sump pump and any other type of fluid transfer system from the house.
When you are not covered
This damage is the worst type of water loss. Black water may contain human waste, infectious material and pathogens which may cause illnesses if not properly treated.
Since black water losses are dangerous to the health and safety of the occupants. It must be restored to a higher standard of care.
Severe losses require the removal and replacement of contaminated items. If you don’t have this coverage you will have to pay out of pocket. It could easily cost you $10,000.
What to do next
Contact us here at quantumagencies.com and ask if you have an endorsement for water back up. This type of coverage is typically reasonable and small price to pay to protect you from substantial risk to your home.
If covered, you may want to check the amount of coverage and if more is available.
Contact your local plumber to make sure your sump pump is serviced and maintained.