Understanding Water Backup Coverage for Homeowners Insurance
Water backup coverage is an optional addition to homeowners insurance that helps protect against damages caused by backed-up drains, sewers, or sump pumps. Generally, standard homeowners insurance policies do not cover these types of damages. This add-on to home insurance could be quite beneficial for homeowners in Deerfield, IL.
Inclusions in Water Backup Coverage
When your home suffers damages from water backing up through drains, sump pumps, or sewer lines, water backup coverage springs into action. Such damages can result in considerable harm to your property, including the destruction of floors, walls, furniture, and personal belongings. Without this coverage, you would be liable for the costs of repairs and replacements.
For instance, if your sump pump fails during a storm and your basement floods, this coverage would pay for water extraction, repairs to damaged property, and replacement of destroyed items. This coverage is also useful if tree roots or blockages cause sewer lines to back up into your home and damage the fixtures or appliances.
Exclusions in Water Backup Coverage
It is important to mention that water backup coverage does not cover flooding from external sources such as heavy rain or overflowing rivers. To safeguard against flood damage, a separate flood insurance policy is required. Additionally, damages due to poor maintenance or neglect of the plumbing system are not covered. Therefore, routine maintenance and inspection of sump pumps and drains are essential to avoid denied claims.
Water backup coverage can be crucial for homeowners, especially those with finished basements or older plumbing systems. If your property has a sump pump or experiences drainage problems, it is advisable to discuss your options with your home insurance provider.
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STARS Insurance can be your reliable partner for all things insurance. We serve Deerfield, IL, and its surrounding areas. Contact us today, and let’s talk about insurance.