Does Home Insurance Cover Flooding and Water Damage?

• General Water Damage
  • General Water Damage is sudden or accidental flooding from water that entered your home through a way other than the ground or sewer. These can include events like burst pipes or waterline breaks.
  • Coverage for General Water Damage may be included in a standard home insurance policy. However, you may want to consider additional coverages such as sewer backup and/or overland water coverage for better protection against water damage.

• Overland Water
  • Overland water is fresh water. This can be caused by melting snow, flooding, or excessive rain. Overland water coverage protects your home against damage caused by this water coming through your doors or windows at ground level. However, this coverage does not protect against damage caused by coastal water.
  • Overland water coverage can offer protection, even if you live above ground level. If damage occurs in a building where you reside, and you need to relocate, overland water coverage may help cover additional living expenses.

• Sewer Backup
  • Sewer backup occurs when something blocks the regular flow of water from your home to the sewer, and the waste water started to back up into your home. Signs of sewer backup include:
    • Sewage odors coming from your drain
    • Clogs, or slow draining, in multiple drains in your home at once
    • Bubbling toilets or drains
    • Sewage backing up into your home
  • Sewer backup is not typically To protect yourself against sewer backup issues, and the costs that come with them, we recommend adding sewer backup coverage to your property insurance.

Why Should You Consider These Add-Ons?
Water damages can be detrimental to your home, and repairs can be costly. Adding these additional coverages to your property insurance can potentially save your household a lot of money. If you live in an area where the threat of flooding is common, these add-on coverages are worth the increase of your monthly premiums.

Talk to an Armour Insurance broker about protection against water damage today.