Are you aware damage to your home caused by a back-up through a sewer or drain may not be covered under your current policy?
Back-up of Sewers and Drains provides coverage for your dwelling and contents in the event you have a water back-up through a sewer or drain pipe. Example: The sewer backs-up through your drain pipe, releasing water into your home which damages your flooring, furniture, clothing and children's toys. The damage would be covered up to the purchased limit, less your deductible, and subject to all other policy provisions. It is also very important to understand this is the only coverage that will act on your behalf for any damage to property in a basement. If water damage occurs because a sump pump fails, and you don't have water back-up, then the damage that occurs to your flooring, furniture, electronics, dry-wall and anything else that might be of value will not be covered without the additional coverage added into your policy. This coverage will not pay to fix the damaged pipes, hot water heater, sump pump, etc.
Every Emmanuel Insurance client has water back-up coverage as needed. We see the value in this coverage and take every step to maintain you have adequate coverage in place.
