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
