Damage done by water back-up of sewers and drains is an optional coverage that most companies offer on a home policy, depending on whether or not your home is located in a flood plain area. This protection provides coverage for accidental and sudden direct physical loss to your structure or contents caused by water backing up through sewers or drains or overflow from a sump pump.
This coverage has a specified maximum dollar limit which would include the combination of clean-up of the water and repair for the damage to structure and contents. The deductible for this damage could also be different than the deductible on your home policy.
This is not coverage for "flood," as flood damage is not included in the definition of types of damage covered by this endorsement.
Please contact our office if you have questions on this coverage and its availability or want to check on higher limits of protection.