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Sump pump backup: If your home has a sump pump that drains standing water or sewage out of your house, the pump could fail and cause flooding. A standard home insurance policy does not cover such ...
Some insurance agents may recommend this coverage if your home has an older plumbing system, or you have a basement or living area below ground level. Understanding water damage insurance claims
Water backup coverage, or sump pump coverage, is a homeowners insurance endorsement that covers repair or restoration costs if water backs up into your home from sewer or drain lines. Flood insurance
An insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner's insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy.
Flood insurance is the specific insurance coverage issued against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands , floodplains and other areas that are susceptible to flooding.
Extended coverage is a term used in the property insurance business. All insurance policies have exclusions for specific causes of loss (also called "perils") that are not covered by the insurance company. An extended coverage endorsement (EC) was a common extension of property insurance beyond coverage for fire and lightning.
Sewer backup coverage: Although sewer backup coverage is not part of a standard home insurance policy, it can usually be purchased as an endorsement. Performing preventative checks to protect your ...
Sump pumps are used where basement flooding may otherwise happen, and to solve dampness where the water table is near or above the foundation of a structure. Sump pumps send water away from a location to any place where it is no longer problematic, such as a municipal storm drain, a dry well, or simply an open-air site downhill from the building (sometimes called "pumping to daylight").