5 Essential Insurance Coverages: Water Back-Up and Sump Overflow Endorsement

What is the Water Backup and Sump Overflow Endorsement?

The Water Backup and Sump Overflow endorsement is an add-on to your homeowners insurance because usually this type of coverage is excluded without this add-on. This endorsement provides coverage for damage resulting from water which backs up through sewers or drains or which overflows from a sump, french drain or sump pump, even if the sump pump fails. Coverage includes damage to covered property but excludes coverage for the sump pump.

Imagine This Scenario

Mr. Klopp’s home is hooked up to the city sewer. One day, Mr. Klopp arrives home from work to find that sewage has backed up through many of his drains. This does significant (and terrible smelling) damage to his carpets, furniture, personal property, and hardwood floors. Afterward, he is able to file a claim on his homeowners insurance policy for the damage caused by the back up because he has the Water Back-Up/Sump Overflow endorsement.

Why Add This Endorsement

Sewer pipes get old and fail. When that happens, the water will reverse course and flow back into your drain and cause damage. Sump pumps can also fail or become inundated with water from a storm, in which case they will be unable to keep water away from your foundation or basement. Water backup can result in damage to drywall, floors, floor coverings, furniture, personal items, curtains, etc.

Sewer water remediation can be expensive, not to mention the cost of replacing furniture, carpet, floors, and various other belongings. Without this endorsement, you would end up paying out of pocket in the event of this kind of claim.

What It Costs

• Connecticut: $125/year; coverage limit is $5,000
• Massachusetts: $125/year; coverage limit is $10,000

Request to add the Water Backup and Sump Overflow Endorsement

• Click here to request a quote today!

Do you have the right insurance coverage to get you through all of life’s ups and downs? At Bearingstar Insurance, we know that you’ve worked hard for all that you’ve accomplished, and are here to make sure it’s all protected. With offices throughout Massachusetts and Connecticut, it’s easy to find a local agent to help with your insurance needs!