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HO insurance - sewer backup
Posted on 3/25/15 at 1:45 pm
Posted on 3/25/15 at 1:45 pm
Does anybody carry the typically optional sewer/sump backup coverage? I feel like this is necessary for older, more condensed neighborhoods, but not so necessary for newer neighborhoods with newer sewer piping. Does anybody have knowledge on this?
1
Posted on 3/25/15 at 1:51 pm to jacquespene8
What is the wording on the endorsement? It covers offsite cloggs that allow water backup into the home?
Sump pump/ water backup claims tend to deal with basements...
Sump pump/ water backup claims tend to deal with basements...
Posted on 3/25/15 at 1:59 pm to wickowick
The actual wording on my latest quote says "Sewer or drain water backup coverage: this insures your property for damage caused by the backup of sewers or drains"
Posted on 3/25/15 at 2:07 pm to jacquespene8
It is from off property water. If you have an onsite clogg, and a backup, most homeowner's policies will cover that. Offsite water isn't a very common loss unless you are dealing with a basement. Just weigh your risk for the additional premium...
Posted on 3/25/15 at 3:20 pm to wickowick
This helps. Thanks for the advice
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