Along with the arrival of spring, comes spring rains. All that rain has to go somewhere. While all lot of the water runs off into storm drains and ditch lines, there is a possibility that it will also attempt to flow into your home. Most flooding and water damage caused by ground water is NOT covered by a standard homeowner’s insurance policy.
In the water damage restoration industry the adage is, “If water comes from above (rain), it’s covered; if it flows across the ground, it’s not.” The damage caused by sewer water that backs up into your home, water that seeps in through or around the foundation due to heavy rains, or a broken sump pump is not covered. A standard policy will not cover you if the power goes out and your sump pump can’t operate.
You need an additional endorsement for “Coverage of Sewer and Drain”. This is an optional coverage and everyone should have it, even if your home doesn’t have a basement or crawlspace. You should try to buy additional levels of coverage that will provide you with enough money to repair any possible damage. If your insurance company doesn’t offer this coverage, or doesn’t offer a large enough monetary limit, consider switching your homeowners policy to a company that does. If sewage enters your home, almost everything that it comes into contact with is permanently damaged and requires replacement. The costs add up quickly.