Water Backup Coverage

Water backup coverage is a valuable addition to your homeowners insurance policy that can provide protection against costly water damage caused by failed sump pumps or backed-up drains. MetzWood advisors are here to help walk you through your options.

What Is Water Backup Coverage?

Water backup coverage offers financial protection in the event of water damage resulting from sump pump malfunctions or drains becoming backed up, leading to flooding in your basement or other areas of your home.

Why Do I Need It?

Water damage can be incredibly costly and unpredictable. The cost of water damage restoration can range anywhere from $1,000 to tens of thousands of dollars depending on the severity of the destruction.

Water backup is one of the most common homeowners insurance claims and the third most costly type. By adding water backup coverage, you can protect yourself from the financial burden of unexpected water damage.

What Is Covered?

Water backup insurance typically covers:

Home and property damage:

Damage to floors, furniture, electronics, and other personal possessions caused by water backup.

Repair costs:

Costs associated with repairing damage caused by failed sump pumps, backed-up drains, or clogged sewer lines.

Water backup insurance does not cover damage caused by normal wear and tear of plumbing, sump pumps, or pipes, flood damage from outside sources like rivers or lakes, or water damage from outside the home, such as pools or bodies of water.

Let MetzWood help you protect your home from water damage.

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Disclaimer - This article is for general illustrative purposes only. Exact terms and conditions will be set forth by the policy contract and coverage may be different than indicated here.