Little Susie fancied a thrilling adventure for her Barbie down the watery wonderland, a.k.a. the bathroom toilet. Suddenly, your bathroom is transformed into the hottest new waterpark in town, with water joyfully cascading out of the toilet. You scramble to play lifeguard and shut off the water, but alas, aquatic chaos is unleashed. Cue the dramatic call to your insurance agent, and just when you thought your day was flushed away, they burst with excitement, declaring that your bathroom blunder is covered, thanks to the Water Backup and Sump Discharge or Overflow coverage endorsement that you decided to add to your Homeowner’s policy. Time for a victory dance and a pat on the back! It’s not just Little Susie’s misadventures; this endorsement has your back in all backup sagas.
What exactly does it cover?
- Direct physical loss to property covered under the property coverages in your Homeowner’s policy, caused by water or sewage that backs up through sewers or drains.
- Coverage for water overflow from a sump pump or similar system designed to drain subsurface water around your foundation, even if it’s due to the equipment breaking down. Note: This coverage doesn’t include repairing or replacing the sump pump or related gear in case of mechanical breakdown.
Our coverage options come with the following annual limits:
- $2,500 at $15 per year
- $5,000 at $20 per year
- $10,000 at $30 per year
- Full Coverage at $90 per year
What does it not cover?
It excludes coverage for water backing up through sewers or drains caused by a sump pump or any water removal system, whether directly or indirectly related to flooding.
In the end, as you mop up the bathroom-turned-waterpark and bid farewell to Barbie’s wild ride, you can’t help but appreciate the unexpected twists that life throws you. Thanks to the Water Backup and Sump Discharge or Overflow coverage endorsement, not only did you survive the flood, but you also danced your way through the insurance claim process. So, here’s to Little Susie’s watery escapades, the resilient bathroom, and the insurance coverage that turned a potential disaster into a splashy success story. Remember, when life gives you toilet water, make a splash-worthy insurance claim!
Interested in adding the Water Backup and Sump Discharge or Overflow endorsement to your policy? Contact us today!
