The back up of sewer and drains as well as the failure of a sump pump is typically EXCLUDED from a standard Homeowners Policy &/or Flood insurance Policy. The damage you can sustain from these problems will also not usually be covered including the cost of losses and clean up.
To Properly Proect Your Home...You Should ENDORSE your homeowners insurance policy with Coverage for Water Back Up & Sump Pump Overflow.
Heavy rains can trigger a back up. Storm and sanitary sewers can't handle the heavy flow and can back up into your home through sump wells or washtubs and toilets in the basement. Sump pumps usually fail from power outages or motor failures as they run on electricity and during a bad storm many times the power will go out. You can get sump pumps with battery back ups, which can help for a period of time but not for ever. Beyond the water in your basement making a mess, water can also damage things such as washer and dryers, furnaces, hot water tanks and just all the stuff you store in your basement! Water and sewage will pretty much destroy whatever it comes in contact with. If it isn't cleaned properly mold can become a serious problem rather quickly.
Also remember Flood Policies have limited coverage. Even if you have Flood Coverage you should also have the Water Back Up & Sump Pump Overflow Endorsement as the endorsement will cover items not covered on your Flood Policy.
Endorsing your Homeowners Policy with the Water Back Up & Sump Pump Overflow coverage (fairly inexpensive!) will save you thousands in clean up dollars!
Please contact Jason Shroot To Learn More About This and other additional Endorsements You Can Add To your homeowners insurance policy to properly protect you, your faimly and your assets.
Please Call: 714-988-3325
Please Email: jason@diversifiedinsurancequotes.com
Please Visit: www.jasonsellsinsurance.com
