It’s something we all hope never happens to us: a sewer backup or sump pump failure, but a flooded home caused by this event can happen to anyone at any time. In fact, any home with a toilet and a sink is susceptible.
It’s important to note that damage caused by a sewer backup or sump pump failure is not covered under your standard homeowner’s insurance policy. When you purchase your policy or call in for a policy review you will need to add-on Sump Pump/Water Backup Coverage. Without this endorsement, you’ll be paying for the damage yourself.
Here are five reasons to have water backup/sump pump overflow coverage:
- It can happen to any system
- Just a couple inches of water backup can cause thousands of dollars in damage – ruining carpets, destroying appliances, and crumbling drywall
- It helps speed up the necessary clean-up, preventing mold and further damage
- It’s not covered under flood insurance
- It’s relatively inexpensive!
If you live in an older home, one that has a basement and/or a sump pump, and there have been problems with backed-up sewers in your neighborhood, you should definitely consider adding water backup and sump discharge or overflow coverage to your homeowner’s insurance policy.
With a California Casualty water backup endorsement, you’ll have as much as $10,000 to clean up and repair damage (amount varies by state). Review your policy and if you don’t have a water backup endorsement, or don’t know if you do, contact a California Casualty advisor today at 1.800.800.9410 option 3, or email service@calcas.com.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
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I want sump pump coverage. Please quote a price to add it to my policy.
Hi Cherylene! Thank you for letting us know you would like to add sump pump coverage. We will inform a member of our customer care team and have them reach out to you.
Thank you,
CalCas
I am in need of a sump pump. I have had issues in my basement. what do I have to do?
Hi Guerdy,
We recommend speaking to a basement waterproofing specialist about purchasing and installing a sump pump.
Thanks,
CalCas