Coverage description
A water backup endorsement adds or modifies coverage for water that backs up through sewers, drains, sumps, or related systems. Covered water sources, deductibles and equipment restrictions can vary by form.
Coverage classification
- Form type
- Endorsements
- Product lines
- HomeownersBusinessownersCommercial Property
Compare Water backup endorsement forms
| Form | Intent | Water sources | Conditions |
|---|---|---|---|
First National Insurance Company of AmericaWater Back-Up, Discharge, and Sump Overflow Coverage 1P0417FR 07 23 Commercial Property | Adds limited coverage for sewer, drain and sump overflow. | Sewers or drains within buildings and qualifying sump systems. | The reviewed excerpt excludes loss caused directly or indirectly by flood. |
Independent Mutual Fire Insurance CompanyWater Backup and Sump Overflow IMF-CW-C-0021 08 25 Mobile Homeowners | Adds coverage for specified water backup and sump overflow. | Water originating within the dwelling and backing up through sewers or drains, and sump discharge. | The form states a $250 deductible, excludes certain equipment damage, and addresses mechanical breakdown or power failure. |
Notable clauses
“when it is caused directly or indirectly by any flood, …”
First National Insurance Company of America · Water Back-Up, Discharge, and Sump Overflow Coverage · 1P0417FR 07 23
Flood boundary. The excerpt excludes specified backup loss when caused by flood.
“This coverage does not apply to direct physical loss of the sump pump or related equipment”
Independent Mutual Fire Insurance Company · Water Backup and Sump Overflow · IMF-CW-C-0021 08 25
Sump equipment. The form excludes equipment damage caused by mechanical breakdown or power failure.
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