Water backup is one of the most common causes of loss for homeowners but also one of the most misunderstood.
What’s covered, what’s not?
Homeowners policy 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. This optional endorsement is called Escape of Water from a Sump, Sump Pump or Drain on the Residence Premises.*
|Covered by homeowners policy||Not covered by homeowners policy||Covered by the optional endorsement|
|Toilet or shower drain gets clogged and overflows causing damage||Sewer line in the street backs up and causes the overflow. (Exception: in Texas, this is covered by Safeco’s Homeowners policy.)||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|
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