![]() Does Water & Sewer Backup Coverage Cover Sump Pump Overflow? If you need flood coverage, it is best to have it in advance. Usually, there is a 30-day wait period for this coverage to start. To protect your property from flood damage, you should purchase flood insurance. If your property sustains damage during a flooding event, the flood and water damage are excluded and not covered by the homeowners policy. However, Travelers Insurance Company offers limited "hidden water damage" coverage and the protection for the water damage from a slowly leaking pipe can be added to the homeowners policy. However, should a pipe leak over time and cause water damage, typically, homeowners insurance policies will not cover this damage. If a pipe bursts and causes water damage to your property is covered by the homeowners policy. Water damage from plumbing or drains backing up, or sump pump failure (mechanical or power outage) is covered if you add water and sewer backup coverage endorsement to the homeowners insurance policy. Water damage to homes and property can happen in many different ways, and it is essential to be sure you have the right coverage on your homeowners policy to cover you if damage occurs. Does Homeowners Insurance Cover Water Damage? Water backup coverage will even cover you if the sump pump has a mechanical failure and stops working. There is a power outage, and the sump pump in the basement stops working or is overloaded by heavy rainfall. The damage could be more extensive if the bathroom is upstairs, especially to the ceiling as the water flows to the downstairs areas. The toilet overflows, sewage, and water cause damage to the flooring and drywall. Here are a few examples of how Water and Sewer Backup coverage can protect your home: This coverage is added to your homeowners policy to cover damage that results from the sewer backing up into your home from your plumbing, drains, or sump pump failure (power outage or mechanical failure). Have you ever experienced a power outage and your sump pump stops working, or have your drains in the bathroom or kitchen overflowed? If so, the damage and clean-up would be covered by the Water and Sewer Backup coverage on your homeowners policy. ![]()
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