Flood Insurance VS Water/Sewer Backup & Drain Coverage

Let’s take a look at the differences between Flood & Water/Sewer Backup & Drain Coverage.

Flood Insurance…What You Need To Know!

  • Flood Insurance covers damage caused by water moving OVER THE TOP OF THE GROUND & ENTERING INSIDE THE HOME.
  • Floods are not a covered peril (Wind, Fire, Lightening, Hail, Weight of Ice & Snow, Smoke, Theft, Burglary, Vandalism) in a home insurance policy!
  • Flood Insurance is a separate policy from the Federal Government that is sold through home insurance agents.


What Is The Definition Of Flood As According To The Guidelines For Flood Insurance?

In simple terms, a flood is an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties. 

Your Premium For Flood Insurance Is Determined With A Variety of Factors: 

  • Flood risk (e.g., your flood zone)
  • The type of coverage being purchased (e.g. building and contents coverage)
  • The deductible and amount of building and contents coverage
  • The location of your structure
  • The design and age of your structure
  • The location of your structure’s contents (e.g. Are your utilities elevated?)


What Is Water/Sewer Backup & Drain Coverage?

  • Water/Sewer Backup & Drain Coverage covers damage caused by water rising up from backed-up sewers, toilets, washtubs, sinks & sump pump failure.
  • It does not include things such as clogged toilets due to excessive use of toilet tissue, paper toweling, baby wipes, or that shoe your child tried to flush!
  • Water/Sewer Backup & Drain Coverage is a separate endorsement to your Home Insurance policy.


How Much Water/Sewer Backup & Drain Coverage Do You Need?

  • Water/Sewer Backup & Drain Coverage will cover the cost to remediate the area damaged by the backup as well as your personal property that was damaged.
  • Because the proximate cause of the damage “Water/Sewer Backup” is not a covered peril on home insurance these items would not be covered without this endorsement!
  • You need enough coverage to protect you in the event of a total loss of the area (such as the need to replace the flooring, drywall, etc.) as well as all contents (such as furniture, appliances, toys, etc.) that are affected in the damaged area. Consider your finished basement, perhaps you have a backup while away on vacation in which several inches of raw sewage backup into your basement through the drain pipes due to a torrential rainfall causing the local municipalities sewers to become overwhelmed and backup! This, left for days could render your flooring as well as drywall to have to be replaced not to mention that movie screening room or entertainment area! You should take this into consideration when assisting your agent in determining how much coverage you want to add to your home insurance policy!

We hope that this article has helped to define the differences in Flood Insurance VS Water/Sewer Backup & Drain Coverage in a home insurance policy. Should you have additional questions or want to speak to an agent about a quote please feel free to click here we would be happy to assist you!


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The WIN Group Insurance Agency
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Columbus, WI 53925
Phone: (920) 350-0800


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