Your home is one of your most important assets.  Homeowners insurance is meant to be a valuable tool for protecting that asset.  It’s downright overwhelming if you were to create a list of all the ways your home could be damaged.  Even more troubling is that all homeowners insurance policies are not created equal.

One risk homeowners face is water damage from the backup of drainage/sewage systems or the failure of a sump pump (often referred to as Water Backup).  Water Backup is not a covered feature on a standard policy but a quality policy can extend coverage.

Here are some of the reasons we have heard why this type of loss “will never happen to me.”

– Our sump pump won’t fail, we have a backup system.

 A backup system is a must for homes with a basement.  However, sump pumps can fail, blockages can occur or your system can be overloaded creating damage.

2 – I do not have anything in my crawl space or basement.

The cost to have a restoration company remove water and dry out your space alone will quickly approach thousands of dollars.

3 – I do not have a basement.

Floor drains and toilets are also areas of risk in which water/sewage can backup.

4 – If something happens I’ll just clean it myself.

Water damage, structural drying, mold and sewage remediation is not something to be taken lightly.  Your home is an important asset, a professional restoration company is needed to keep it that way!

5 – My builder said our basement/crawl space does not need a sump pump.

See answers above.  To be blunt, if there is damage, is the builder willing to show up and restore your home and contents?

Not sure you have this coverage?  Enlist the help of an independent agent.  Coverage amounts vary by carrier but typically range from $5,000 to policy limits.

Jeremy Hyde | Colligan & Company

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About the Author: Jeremy Hyde

Christian, MK/PK, Brother, Husband of a magnificent wife, Father of three sons and two daughters, Insurance dork, Sports and Racing fan, Competitor, Coach, Early riser, Grill-man, Yearner of sand dunes and Lake Michigan, Owner of a Yorkie named Gerald, Wannabe basketball player, Reluctant handyman, Car enthusiast, Admirer of passion and excellence and design...

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  1. Water Damage July 31, 2019 at 11:20 pm - Reply

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  19. Stephan Konieczny December 11, 2019 at 2:59 am - Reply

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  28. Kent Lomus January 30, 2020 at 8:29 pm - Reply

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  29. Ed M February 6, 2020 at 9:38 pm - Reply

    Good insurance info

  30. Manuel V February 8, 2020 at 2:15 am - Reply

    These types of homeowners insurance claims can be very tricky. I wish my prior agent talked to me about this. Thank you for helping me.

  31. Michael M February 10, 2020 at 4:47 pm - Reply

    I wonder why some insurance agents don’t disclose this more often?! Thank you!

  32. Herb Hiebert February 11, 2020 at 2:28 am - Reply

    It good to understand this for my home insurance

  33. Felice February 11, 2020 at 6:39 am - Reply

    Anyone that needs homeowners insurance should read this article. Thank you

  34. Laney February 11, 2020 at 7:58 am - Reply

    I’m glad you wrote this article, it’ll help know more if I have a claim

  35. Sam S February 11, 2020 at 8:05 am - Reply

    This is useful. Thanks

  36. Brian Maglan February 11, 2020 at 9:55 pm - Reply

    Thank you for the help, also needed by renters too

  37. Cindy Altwood February 11, 2020 at 11:40 pm - Reply

    I never knew about this until I had an issue with my homeowners insurance with State Farm.

  38. Melissa February 12, 2020 at 1:08 am - Reply

    Insurance claims need an expert on your side

  39. Samuel Coltrain February 14, 2020 at 9:39 am - Reply

    This is a common insurance and homeowners issue

  40. Brandy Popick February 14, 2020 at 1:55 pm - Reply

    Everyone that owns a home should understand this.

  41. Steven Wellspeak February 14, 2020 at 6:59 pm - Reply

    This is an important part of homeowners insurance!

  42. Erin Erlenbusch February 14, 2020 at 9:44 pm - Reply

    My yoga studio in my basement was destroyed! Thankful for this insurance!

  43. Eric Ottoman February 15, 2020 at 2:12 am - Reply

    Check your sump pump! Get a backup battery and avoid a home insurance claim!

  44. Chris February 17, 2020 at 3:01 am - Reply

    Thank you for this insurance blog

  45. Sandy February 17, 2020 at 2:46 pm - Reply

    Good information for a first time homebuyer

  46. Anthony Mallinger February 17, 2020 at 6:27 pm - Reply

    I have a friend with a backup claim right now. Home insurance can be complicated. Thanks

  47. Heath J February 17, 2020 at 9:53 pm - Reply

    Ugly insurance claims! Thanks

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  49. Rickie Bayley February 25, 2020 at 6:05 am - Reply

    Wow, excellent home insurance content!

  50. Ankin B March 4, 2020 at 3:08 am - Reply

    In home insurance this is a big deal

  51. Ryan March 9, 2020 at 1:56 am - Reply

    This helps me better understand my home insurance.

  52. Robert K March 10, 2020 at 12:30 pm - Reply

    Home insurance is important… so is your insurance carrier and agent

  53. Dennis March 15, 2020 at 3:33 am - Reply

    It’s to see a Fort Wayne Insurance agency invest some thought into online articles that are helpful!

  54. David Bate March 30, 2020 at 4:18 pm - Reply

    These types of claims happen a lot. Better be ready!

  55. Paul Arnold March 31, 2020 at 12:49 am - Reply

    Spring rains will bring insurance claims!

  56. Lynn March 31, 2020 at 7:26 pm - Reply

    Paul Davis ( and WaterOut ( are really professional and I would recommend them if you have water issues in your basement. Most insurance companies will work with them.

  57. Rachel April 5, 2020 at 12:40 am - Reply

    Generally I don’t read articles on blogs, but I needed help with my insurance. Thank you, very nice article.

  58. Sam Buehler April 14, 2020 at 9:34 am - Reply

    These types of insurance claims can get tricky!

  59. April Sanders April 20, 2020 at 12:11 pm - Reply

    Good article, I’ll give it to my clients when they are buying a new home to make sure they talk with a good insurance agent

  60. Phil W April 22, 2020 at 2:00 am - Reply

    Water backup is a pain! You don’t want to have to clean up this mess, talk with an insurance agent and get it covered!

  61. Matt Frob April 23, 2020 at 11:14 am - Reply

    If you have a basement you better understand this insurance

  62. Stef April 23, 2020 at 11:39 am - Reply

    Thank you for your input on these homeowners insurance issues

  63. Becky April 27, 2020 at 2:19 am - Reply

    You don’t want to be with a bad carrier when bad stuff happens!

  64. Jess May 7, 2020 at 9:48 pm - Reply

    These are difficult claims, make sure you have enough insurance limits.

  65. Ricky Alberto May 8, 2020 at 7:57 pm - Reply

    I’ve had this happen to me and you need this coverage

  66. Earl V May 10, 2020 at 1:13 pm - Reply

    Water backup claims are important to understand on your home insurance

  67. Adi May 10, 2020 at 9:10 pm - Reply

    A big issue on homeowners insurance claims

  68. Jeremy Hopkins May 18, 2020 at 4:52 pm - Reply

    During rainy seasons its especially important to buy this insurance for your home

  69. Jeremy Hopkins May 19, 2020 at 10:52 am - Reply

    This can happen to commercial property too, keep that in mind

  70. Jason Henry May 20, 2020 at 10:20 pm - Reply

    I’m glad we had Colligan with my big home insurance claim!

  71. Ralphy May 26, 2020 at 10:19 pm - Reply

    A new home buyer should really think about these quesitons.

  72. Janis Ceklik May 28, 2020 at 7:05 am - Reply

    Hey, thanks for the post on homeowners insurance.Much thanks again. Fantastic.

  73. Lori Wonde May 28, 2020 at 3:12 pm - Reply

    Very good article post on home insurance. Really thank you! Fantastic.

  74. Meme Krieger May 29, 2020 at 8:37 pm - Reply

    Hey very nice blog!! Guy .. Beautiful .. Amazing ..if you need info on homeowners insurance, call Colligan

  75. Felix June 2, 2020 at 4:41 pm - Reply

    These are sticky insurance claims

  76. Mike Arnold June 20, 2020 at 11:36 pm - Reply

    I had a $30,000 basement claim and I’m glad I had the insurance!!!

  77. Charles Lowe June 25, 2020 at 6:04 pm - Reply

    This insurance is important, thanks for letting me know.

  78. Eric June 26, 2020 at 6:14 pm - Reply

    These claims can get tough really fast. Work with good insurance too

  79. Kristine Crossno June 27, 2020 at 8:24 pm - Reply

    If you have a finished basement make sure your water backup insurance is adequate!

  80. Wendy Larhonda July 4, 2020 at 2:51 pm - Reply

    Water in the basement is stinky and mold is a big time issue

  81. Ben O July 12, 2020 at 5:15 pm - Reply

    If you have a finished basement I recommend this coverage with Colligan

  82. Andy Bulky July 17, 2020 at 7:19 am - Reply

    There are many people underinsured here I’m certain.

  83. Tim Tauto July 23, 2020 at 12:35 pm - Reply

    Thanks Again, good info.

  84. Olivia Avis August 29, 2020 at 3:55 pm - Reply

    If you have a finished basement, you should have at least $25,000 in water back up coverage

  85. Deb Schey October 1, 2020 at 11:06 am - Reply

    I have a basement that I’ve invested a lot of money in so I’m really interested in this insurance

  86. Sammy Gardner October 3, 2020 at 9:38 am - Reply

    I recommend having a backup system if your sump pump fails

  87. Indie Borth October 3, 2020 at 10:55 am - Reply

    I have an old home and I can believe the sewer systems can be unreliable

  88. Celina Hollinworth October 4, 2020 at 12:34 am - Reply

    I had a gross sewer backup because of a tree root one, it was disgusting!

  89. Cinda W October 7, 2020 at 5:26 pm - Reply

    Thanks for the info on all of this!

  90. Matthew A October 14, 2020 at 8:02 pm - Reply

    Thank you for this post, good info for my house

  91. Nate P October 16, 2020 at 4:28 pm - Reply

    I wonder why I didn’t know about these before it happened, I should have known

  92. Lilian Darosa October 17, 2020 at 12:48 am - Reply

    These are nasty claims and people with a basement need to be prepared

  93. Matthew Arric October 22, 2020 at 5:35 pm - Reply

    I had a situation like this. You want to avoid it!

  94. Dennis S October 30, 2020 at 8:09 pm - Reply

    It’s important to understand this especially if you have a basement!

  95. Dennis Sut November 1, 2020 at 10:03 pm - Reply

    My sump pump went down in a storm, really damaged my basement!

  96. Pablo November 9, 2020 at 4:44 am - Reply

    Very good info for those with basements esspecially.

  97. Cole Sante November 10, 2020 at 1:18 pm - Reply

    This is one awesome post.Much thanks again. Great.

  98. Mia K November 14, 2020 at 3:36 am - Reply

    This is a great article for all homeowners to be aware of and understand.

  99. Sam November 15, 2020 at 6:33 am - Reply

    These are sticky claims, make sure you understand this before its too late

  100. Lillian November 17, 2020 at 11:21 am - Reply

    I was wondering how these worked. I don’t think a lot of homeowners really understand how crappy this can be… when you have a foot of water in your basement because of your idiotic sump pump… not speaking from experience of anything

  101. Wilmer Gambardella December 24, 2020 at 3:28 am - Reply

    I was very happy when I read this article. Keep up your passion in writing. I am waiting for your next article

  102. Dicky W January 1, 2021 at 5:31 pm - Reply

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  103. Andrew Nelson February 5, 2021 at 9:38 am - Reply

    I will say to you that our sump pump will not fail. Thanks for sharing this article.

  104. Oley February 20, 2021 at 1:31 am - Reply

    Ugly stuff. Thanks man

  105. Brennie March 30, 2021 at 10:49 am - Reply

    Water claims can get awful sticky, thanks for the info

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  108. Teddy May 22, 2021 at 4:13 am - Reply

    I thought Homeowners insurance just covered everything but now know that it can be limited or event denied! Just awesome… glad I fouund your article after the fact…

  109. Zane January 28, 2022 at 4:01 am - Reply

    I have not checked in here for some time because I thought it was getting boring, but the last few posts are good quality so I guess I will add you back to my daily bloglist. You deserve it my friend :)

  110. Jeremy Hyde August 24, 2022 at 1:23 pm - Reply

    Our agency just had quite a few water backup claims from these recent storms. This is important!

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