Homeowner Insurance; what’s covered and what’s not when it comes to water backup?

Do you know what is covered and what is not covered on your homeowner insurance policy when you suffer a water backup claim? Have you asked your agent, reviewed your homeowner insurance policy and/or are you prepared for when you suffer a property loss?

Each homeowner policy in Florida has the same basic coverage but the difference may not be visible to the everyday homeowner. If you are not sure what is covered on your homeowner policy, ask your agent for specifics and how they apply to the policy on your property.

Below you will find a brief list of what is typically covered on a homeowner policy for losses pertaining to water back up coverage. In order to confirm specifically what MAY or MAY NOT be covered on YOUR policy, please contact your agent directly.

-Toilet or shower drain is clogged and overflows causing damage.
– A drain is blocked because of a tree roof in your yard.
– A sewer line in the street backs up and causes a drain to overflow into your home.

Again, if you are unclear what is covered on your home policy please contact your insurance agent without delay. If you would like to discuss specific coverage questions or review your home insurance policy with us, we are here to help. For more information on this and other homeowner insurance topics please visit our agency website at www.harboria.com or find us on Facebook at Harbor Agent

A toilet overflow, drain back up or sewer overflow can cost thousands of dollars in damages and labor repairs. Regular maintenance and upkeep of your household systems will help deter future problems but be sure you have the right insurance coverage and protective measures in place on your homeowner insurance policy. If your home insurance policy does not cover the aforementioned water backup losses you MAY be able to add coverage by endorsement. In order to do this please be sure to contact your insurance agent to discuss in further detail and make an informed insurance decision.

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