4 Reasons to Add Water Backup Insurance

If you asked homeowners to create a list of situations they hoped to never have to deal with at home, a sump pump failure would likely rank just underneath having a fire. Why? It’s a disaster. Typically, when a sump pump fails it causes water to backup into your home, sometimes bringing all kinds of […]

What’s Not Covered

Most standard homeowners policies provide protection from water damage if the cause is sudden and accidental. According to the Insurance Information Institute, you’ll likely be protected if, for instance, your drywall is drenched after your water heater ruptures or an upstairs pipe bursts and water saturates the ceiling below. Homeowners insurance does not cover all […]

Flood vs. Water Damage

Many people who experience a water loss never know what’s covered until it’s too late.  Many are completely unaware that water damage losses are completely different than flood losses. There basically are two insurance policies that deal with a homeowner’s damage due to water — a flood insurance policy and a homeowners insurance policy. Losses […]