Sewer Backup Coverage
An optional endorsement that covers damage from water or sewage backing up through drains or overflowing from a sump pump.
Detailed Explanation
Standard homeowners policies typically exclude water damage from sewer backups or sump pump failures. This endorsement fills that coverage gap, providing protection against a potentially costly and messy type of water damage.
Practical Example
When heavy rains caused the municipal sewer system to back up into Richard's basement, flooding it with six inches of contaminated water, his sewer backup endorsement covered the cleanup, sanitization, and replacement of damaged flooring and furniture.
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