In the past few years, water damage coverage has been reorganized to better address the various causes of damage. These coverage options are best illustrated through claims examples.
The following are examples of common water damage claims and the associated coverage needed.
A rain storm overloads the sewer system resulting in water backing up into your basement.
Coverage to respond: Optional: Ground Water and Sewer coverage.
Water service pipe breaks. In order to repair the pipe, the city must excavate resulting in damage to lawn, gardens, walkways and/or driveways.
Coverage to respond: Optional: Water Service Pipe coverage.
An ice dam forms in the spring causing water to overflow the banks of a nearby river. This water flow reaches your property causing water to penetrate the home, either above or below ground.
Coverage to respond: Optional: Overland Water coverage. Presently, this coverage is offered by only a few insurers.