Coverage intent
A water backup endorsement adds or modifies coverage for water that backs up through sewers, drains, sumps, or related systems.
Coverage impact
Water backup coverage is a common property option where limits, exclusions, sublimits, and cause-of-loss wording change the real coverage provided.
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Sample form language
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Water Back-Up, Discharge, and Sump Overflow Coverage
Form #: 1P0417FR 07 23
First National Insurance Company of America
Commercial Property
VA | Jun 11, 2026
This commercial property endorsement adds limited sewer, drain, sump, and sump pump overflow coverage.
Sewer, drain, and sump overflow coverage
WATER BACK-UP, DISCHARGE, AND SUMP OVERFLOW COVERAGE
(1) We will pay for direct physical loss of or direct physical damage to your Covered Property solely caused by or resulting from:
(a) Water or waterborne material which backs up, overflows, or is otherwise discharged into a building or structure through sewers or drains contained within a building. A sewer or drain does not include a roof drain, gutter, downspout, or similar fixture or equipment; or
(b) Water or waterborne material which enters into or overflows from a sump, sump pump, or related equipment, provided that it is located in a building and designed to remove subsurface water which is drained from the foundation area, even if the overflow or discharge results from mechanical breakdown of a sump pump or its related equipment.
(2) We will not, however, pay for any loss or damage that results from water or other materials that back up, overflow, or are otherwise discharged from a sewer, drain, sump, sump pump or related equipment when it is caused directly or indirectly by any flood.Selected excerpt from this form.
Notable language points
- 01Adds coverage while preserving flood exclusions.
- 02Addresses sewers, drains, sumps, sump pumps, and related equipment.
- 03Uses a separate limit and deductible.
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