The Importance of Water Backup Coverage

As a homeowner, you must be aware of many possible incidents that could damage your home and impose extensive financial losses. At times, these issues may arise from your property’s own infrastructure, such as if plumbing backs up and causes water or sewage to seep into your home. These situations can lead to significant health issues, expensive property damage and dire monetary consequences. Fortunately, being prepared with the right insurance coverage can make all the difference.

What Is Water Backup Coverage?

Water backup coverage lives up to its name by potentially providing financial protection and relief following incidents in which water backup issues cause damage to your property. Most standard homeowners insurance policies do not include this feature, meaning that you’ll need to get an endorsement or rider to ensure you’re covered for such situations.

Why Is This Coverage Important?

Consider the following scenarios and how they might make you glad that you invested in water backup coverage:

• Your drain pipes become clogged with food particles or hair, resulting in water backing up into your kitchen of bathroom.

• Your home’s sump pump fails, causing your basement to flood.

• Tree roots entangle your lot’s sewer line, causing it to break and backing sewage up into your home.

In addition to the initial water damage caused by these events, ongoing ramifications, such as contaminations caused by sewage and mold growth, could lead to further expenses. Fortunately, by having water backup coverage, you may receive aid to restore or replace damaged property, remediate affected areas and remove debris. Additionally, if a water backup makes your home temporarily uninhabitable, a home insurance policy equipped with this coverage could help pay for hotel accommodations and other additional living expenses.

Get the Right Coverage

Contact the Morais Agency today to learn more about water backup coverage and ensure your homeowners insurance is suited to your needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.