The toilet overflows, the drain backs up, the sump pump malfunctions or a sewer line breaks and sends water gushing in from the street. Does insurance cover the ensuing damage?
Safeco provides comprehensive insurance products to meet your customers’ needs, and that includes an optional endorsement that may help protect them from the potentially disastrous effects of water backup.
Safeco’s homeowners policy provides coverage for water that backs up through sewers or drains as long as it originates on premises. (In Texas, off-premises backup is covered under the Safeco Homeowners policy.)
Water that escapes, overflows or discharges from a sump pump, sump well or any other system designed to remove water that is drained from the foundation area is specifically excluded, and that’s why our optional endorsement could come in handy for some of your clients.
This coverage, called escape of water from a sump, sump pump or drain on the residence premises*, does two things:
All statements made are subject to provisions, exclusions, conditions and limitations of the applicable insurance policy. If the information in these materials conflicts with the policy language that it describes, the policy language prevails.
Coverage is fact-driven and each claim will be evaluated on its own merits and circumstances for coverage determination.
*Coverage and policy options differ by state. Optional coverage not available in Louisiana. Option YY (Water Backup and Sump Overflow) is still used in states that have not launched our New Home Contract or that continued to maintain grandfathered books of business after the New Home Contract was launched. In California, Option YY is an available option in the Quality Plus program; it is included in Quality Crest and cannot be eliminated.
**Available limits and premiums vary by state. Please check your state product guide for specifics.