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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

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