It’s something we all hope never happens to us: a sewer backup or sump pump failure. When it comes to sewers, what goes down shouldn’t come back up. In fact, any home with a toilet and a sink is susceptible to this type of event.
Damage from a sewer backup or sump pump failure is not covered under your homeowners insurance. Without the endorsement, you’ll be paying for the damage yourself.
Here are five reasons to have water backup/sump pump overflow coverage:
- It can happen at any time to any home
- Just a couple inches of brackish water can cause thousands of dollars in damage – ruining carpets, destroying appliances and crumbling dry wall
- 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 of backed up sewers in your neighborhood, you should definitely consider adding water backup and sump discharge or overflow coverage to your homeowners 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 email@example.com.