Coverage of Water Damage

On the beginning, there is one kind of water damage in the insurance policy. It is a sewer backup. Now there is two more new coverage about water.

Here is a sample from Optimumwest insurance company.

 

Sewer Backup

Water (Excluding flood water) entering the home from:

  • Sewer or sump system
  • Septic tank
  • Outside drain
  • Eavestroughs or downspouts

Overland Water

  • Flood caused by overflow of body of freshwater
  • Surface water buildup caused by weather including heavy rainstorm

Ground Water

  • Ground water or rising of water table

There is a picture from Wawanesa Insurance Company. It demonstrates the water.

 

Sewer Backup

Overland Water

 

Let’s have a look at the Overland Water Wordings.

DEFINITIONS:
Flood” means waves, tides, tidal waves, tsunamis or the rising or, the breaking out or the overflow of any body of salt water, whether natural or man-made.
“Overland Water” means water that accumulates upon or submerges land which is usually dry resulting from:
1. The unusual and rapid accumulation or run off of surface waters from any source, including torrential rainfall.
2. The rising or, breaking out or the overflow of any body of fresh water.
“Sewer backup” means the sudden and accidental backing up or escape of water or sewage within your dwelling or detached private structures through a:

  • sewer on your premises;
  • septic system on your premises; or
  • sump pump located within your dwelling or detached private structures.

“Single Occurrence” means all events for which coverage is provided by this endorsement that occurs within 96 consecutive hours during the term of the policy to which this endorsement is attached. The expiration of the policy will not reduce the 96 hour period.

OVERLAND WATER COVERAGE
You are insured against direct physical loss or physical damage caused by overland water from any single occurrence. This includes direct physical loss of physical damage resulting from the sudden and accidental entrance of water through foundations, basement walls or basement floors caused by overland water from any single occurrence. This also includes damage resulting from the escape of water from a public water main or from a swimming pool.
You are also insured against direct physical loss or physical damage caused by sewer backup resulting from overland water, but only if there is evidence that overland water from any single occurrence has also entered the dwelling or detached private structure where the sewer backup loss occurred and the entry point of the overland water was from other than sewer backup.

There are also some exclusions on this coverage.  Look at the exclusions on your policy.

 

 

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