Coverage classification
- Form type
- Endorsements
- Topics
- PropertyWaterDeductibles
Compare Water damage deductible forms
| Form | Intent | What triggers it | Notable exceptions |
|---|---|---|---|
Endurance American Insurance CompanyWater Damage Deductible Endorsement EIM 0336 0626 Builders' Risk | Adds a scheduled water damage deductible. | Defines water damage for this endorsement. | Excludes flood and sewer backup from that definition; the deductible amount is scheduled. |
Liberty Mutual Insurance CompanyPlumbing and Appliance Water Damage Deductible HM 8348 01 25 Homeowners | Applies a separate deductible to sudden and accidental covered property loss caused by non-weather water. | The deductible is shown in the declarations. | Does not apply if weather contributes or to specified water backup and service line endorsements. |
Notable clauses
“except loss or damage caused by or resulting from the peril of "Flood" or "Sewer Backup"”
Endurance American Insurance Company · Water Damage Deductible Endorsement · EIM 0336 0626
Water damage definition. Those perils are outside this endorsement’s definition of water damage; the excerpt does not establish whether they are otherwise covered.
“this deductible does not apply if weather contributes concurrently or in any sequence to the loss”
Liberty Mutual Insurance Company · Plumbing and Appliance Water Damage Deductible · HM 8348 01 25
Weather contribution. This form expressly removes its separate deductible when weather contributes to the loss.
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