WATER BACKUP OF SEWERS OR DRAINS ENDORSEMENT
FUNCTION:
All Dwelling Fire policies exclude loss caused by water or sewage which backs up through sewers or drains or overflows from a sump pump. The customer may purchase the Water Backup of Sewers or Drains Endorsement to cover up to $5,000 for property losses caused by backup of water or sewage.
EXAMPLE:
A construction crew working in the lot next door to Marge’s dwelling breaks a sewer line, causing sewage to back up through Marge’s toilet. The backup causes damage to her carpet, floors, and walls. If Marge has purchased the Water Backup of Sewers or Drains Endorsement, she will pay a $250 deductible, then be covered for up to $5,000 worth of damage from the incident. Without this endorsement, Marge will pay for everything out-of-pocket.
USAGE:
Generally available on all Dwelling Fire policies.
SPECIAL UNDERWRITING CONSIDERATIONS:
Underwriting approval will be required if there have been two or more flood or water plumbing losses.
