Is sewer backup covered under a flood insurance policy?
Flood insurance does not cover sewer backup since flood is defined in the Standard Flood Insurance Policy, in part, as: A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from overflow of inland or tidal waters, from unusual and rapid accumulation or runoff of surface waters from any source, or from mudflow. Sewer backup is also not covered under your homeowners insurance policy. Sewer backup coverage is an endorsement available through most homeowner insurance companies, but it may not be offered to property owners when purchasing coverage if you dont ask for it. It is very important to read the sewer backup endorsements purchased on a homeowners policy. Some of the endorsements restrict coverage to a set dollar amount or bar coverage where there is a flood.
Flood insurance does not cover sewer backup since flood is defined in the Standard Flood Insurance Policy, in part, as: A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from overflow of inland or tidal waters, from unusual and rapid accumulation or runoff of surface waters from any source, or from mudflow. Sewer backup is also not covered under your homeowner’s insurance policy. Sewer backup coverage is an endorsement available through most homeowner insurance companies, but it may not be offered to property owners when purchasing coverage if you don’t ask for it. It is very important to read the sewer backup endorsements purchased on a homeowner’s policy. Some of the endorsements restrict coverage to a set dollar amount or bar coverage where there is a flood.
