WEDNESDAY, DECEMBER 7, 2016
For an additional premium to your homeowners insurance policy, an endorsement for water backup and sump
discharge will cover losses caused by the following: * The backup of water or waterborne materials through
a sewer or through a drain. * Water or waterborne material that overflows from a sump, even if the backup of
water is due to the mechanical breakdown of the sump pump. Coverage includes damage to covered property
and excludes the sump pump and any related equipment that has broken down.
The endorsement does not cover losses that involve owner negligence, such as from damage as the result of
forgetting to turn on your sump pump, or damages caused by a flood.
Simple things you can do to prevent backups in your sewer line: * Do not flush paper products * Dispose
of cooked grease in your garbage instead of rinsing down the drain * Shrub the tree roots
The cost of coverage: The cost of sewer backup coverage is affordable. Our personal lines team can provide
you with more information about coverage costs, limits, and deductibles. Call Nelson Brothers Insurance Agency
to learn more about this coverage and all the affordable ways we can help you to protect your home and personal property.
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It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional
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