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.”
1 – 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
Your last step in basement water damage clean up is sanitation with the entire basement area. 510 the Food Safety Modernization Act, Senate Bill SB 787 the Clean Water Restoration Act, and HR 5101 the Wildlife Corridors Conservation Act of 2010.
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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.
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It good to understand this for my home insurance
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I’m glad you wrote this article, it’ll help know more if I have a claim
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Thank you for the help, also needed by renters too
I never knew about this until I had an issue with my homeowners insurance with State Farm.
Insurance claims need an expert on your side
This is a common insurance and homeowners issue
Everyone that owns a home should understand this.
This is an important part of homeowners insurance!
My yoga studio in my basement was destroyed! Thankful for this insurance!
Check your sump pump! Get a backup battery and avoid a home insurance claim!
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I have a friend with a backup claim right now. Home insurance can be complicated. Thanks
Ugly insurance claims! Thanks
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Home insurance is important… so is your insurance carrier and agent
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These types of claims happen a lot. Better be ready!
Spring rains will bring insurance claims!
Paul Davis (https://www.pdrneindiana.com/) and WaterOut (https://wateroutfortwayne.com/) are really professional and I would recommend them if you have water issues in your basement. Most insurance companies will work with them.
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These types of insurance claims can get tricky!
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
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!
If you have a basement you better understand this insurance
Thank you for your input on these homeowners insurance issues
You don’t want to be with a bad carrier when bad stuff happens!
These are difficult claims, make sure you have enough insurance limits.
I’ve had this happen to me and you need this coverage
Water backup claims are important to understand on your home insurance
A big issue on homeowners insurance claims
During rainy seasons its especially important to buy this insurance for your home
This can happen to commercial property too, keep that in mind
I’m glad we had Colligan with my big home insurance claim!
A new home buyer should really think about these quesitons.
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These are sticky insurance claims
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These claims can get tough really fast. Work with good insurance too
If you have a finished basement make sure your water backup insurance is adequate!
Water in the basement is stinky and mold is a big time issue
If you have a finished basement I recommend this coverage with Colligan
There are many people underinsured here I’m certain.
Thanks Again, good info.
If you have a finished basement, you should have at least $25,000 in water back up coverage
I have a basement that I’ve invested a lot of money in so I’m really interested in this insurance
I recommend having a backup system if your sump pump fails
I have an old home and I can believe the sewer systems can be unreliable
I had a gross sewer backup because of a tree root one, it was disgusting!
Thanks for the info on all of this!
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I wonder why I didn’t know about these before it happened, I should have known
These are nasty claims and people with a basement need to be prepared
I had a situation like this. You want to avoid it!
It’s important to understand this especially if you have a basement!
My sump pump went down in a storm, really damaged my basement!
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These are sticky claims, make sure you understand this before its too late
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Our agency just had quite a few water backup claims from these recent storms. This is important!