Here are some questions for everyone.
Do you know what is covered on a homeowners policy for water backup and what is not covered?
When a toilet or shower drain is clogging & overflows, is that covered?
“Flooding at 55th Street, by Barth Pond’
What about when the sewer line in street that backs up and causes the overflow, is that covered?
What about when the water escapes, overflows or discharges from a sump pump, sump well or other system designed to remove water?
The answer to the first one is “yes” it is covered when a toilet or shower gets clogged and overflows and causes damage. The other two questions are normally not covered on a homeowner’s policy unless there is an endorsement that covers water back up. Normally water that backs up through the sewers or drains that originate on premise is covered on a homeowners policy. Check out my website & blogs to see for more information.