Sewer Backup Coverage
Definition:
An optional endorsement that covers damage from water backing up through sewers, drains, or sump pumps.
Explanation:
Standard homeowners policies exclude sewer and drain backups. This coverage must be added separately.
Example:
If a sump pump fails and water floods your basement, sewer backup coverage would pay for cleanup and repairs.
Why it matters:
This term affects how claims are handled and what payout a homeowner may receive.