HO 04 95 Limited Water Back-Up And Sump Discharge Or Overflow Coverage

An Insurance Services Office (ISO) standard form. It adds limited coverage, up to the scheduled limit, for direct loss from water that backs up through sewers or drains or overflows from a sump, sump pump or related equipment, even after mechanical breakdown or power failure, unless caused by an insured's negligence.

1. 01 14 edition

   Jan 2014, compared with 05 11

   • Sump overflow or discharge is covered even when it results from a power failure, and the Power Failure exclusion no longer applies to this coverage.

     05 11

     Not in this edition

     01 14

     “mechanical breakdown or power failure”

   • Instead of waiving the Water exclusion entirely, the endorsement now excludes back-up or sump overflow caused by flood, surface water, storm surge or underground water.

     05 11

     “The Section I – Water Exclusion does not apply to the”

     01 14

     “The Water Exclusion is replaced by the following”

Filed by one company only: 02 22 (Armed Forces Insurance Exchange, 28 filings), 11 18 (Westfield Group, 6 filings), 09 16 (Utica Group, 4 filings).

5 other edition dates appear in one or two filings each, often carrier-specific versions: 11 26, 07 24, 07 19, 07 16, 11/01/18.

Where filings record what this form replaced, they name other forms 3348, CAIC 108. Only some filings record replacements.

• Edition in use: in the past 12 months, 4 companies filed the 03 22 edition and 1 company filed 01 14.
• The 02 22 edition appears only in filings from Armed Forces Insurance Exchange (28 filings in 28 states since Jan 7, 2022), which suggests a carrier-specific version.
• The 11 18 edition appears only in filings from Westfield Group (6 filings in 6 states since Oct 23, 2023), which suggests a carrier-specific version.
• HO 04 41 (Additional Insured - Residence Premises) is filed alongside it most often, in 65 of the same filings (88%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• HO 04 41Additional Insured - Residence Premises65 filings
• HO 04 10Additional Interests - Residence Premises61 filings
• HO 04 35Supplemental Loss Assessment Coverage61 filings
• HO 00 03Homeowners 3 - Special Form59 filings
• HO 04 90Personal Property Replacement Cost Lost Settlement59 filings
• HO 04 65Coverage C Increased Special Limits of Liability58 filings
• HO 04 77Ordinance or Law Increased Amount of Coverage58 filings
• HO 00 06Unit-Owners 6 - Broad Form57 filings
• HO 04 50Increased Amount of Insurance for Personal Property at Other Residences57 filings
• HO 17 32Unit-Owners Coverage a Special Coverage57 filings