That is the importance of knowing what is covered by the base homeowners policy, what is covered by the optional endorsement, and what is not covered under any circumstances.
What's covered, what's not?
Homeowners policies provides coverage for water that backs up through sewers or drains as long as it originates on premises. As this chart shows, the optional endorsement expands the coverage to provide better protection.
Not Covered by Homeowners Policy
- Sewer line in the street backs up and causes the overflow
- Water that excapes, overflows or discharges from a sump pump, sump well or any other system designed to remove water which is drained from the foundation area
Covered by the Optional Endorsement
- Coverage is expanded to include backup or overflow from causes originating off premises as long as the backup or overflow itself occurs on the premises
- Coverage is provided when water escapes, overflows or discharges from a sump pump or other similar system
What's never covered?
- Flooding is the most common excluded coverage. Whether the result of a river overflowing its banks or a dam breaking, water damage caused by surface water entering the house is not covered
- Overflow originating off-premises is not covered. This would include a sewer line breaking in the street and causing water to flow over the surface in to the house
- Sub-surface water is excluded. For example, if a swimming pool or sprinkler system leaks underground and causes water to seep through the foundation, there is no coverage under either the base policy or the optional endorsement.
Note: All statements made are subjecto to provisions, exclusions, conditions and limitations of the applicable insurance company and policy. If the information in these materials conflicts with the policy language that it describes, the policy language prevails
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