Does Insurance Cover a Flooded Basement Caused by a Sump Pump?

The quick answer is Yes, a homeowners insurance policy will cover a flooded basement caused by a sump pump.  But it depends…

Flooded basements are one of the most common water damage disasters homeowners face in Indianapolis.  High water tables, mixed with seasonal rains and tired sump pumps can lead to an inch or two of water in a basement.

The 2 most important things to consider when making an insurance claim for a flooded basement are:

  • Do I have Coverage for Drain Backup or Sump Pump Backup?
  • What is my Insurance Coverage Limit?

 

Do I have Coverage for Drain Backup or Sump Pump Backup?

Many insurance companies require sump pump backup or drain backup to be added to their standard homeowners insurance policies.

It is up to your insurance agent to make sure you have the proper coverages and if you have a finished basement they need to know so they can add the coverage in case you have a flooded basement…

A sump pump is the most common cause for a flooded basement.  If water flows through a window, wall or door this is considered flood water.  This is not covered by a standard home owners policy.

I repeat….If water comes through a window, wall or door this is considered flood water.  It is not covered by a standard homeowners insurance policy.  

 

What is my Insurance Coverage Limit?

Most flooded basement insurance coverage is limited to $5000 or $10,000.  So its good to check on your coverage and limit before you hire a water damage contractor to cleanup the damage.  Depending on your coverage it may be best to have a plan before starting the work.

An insurance agent can be your best resource in some of these scenarios because they can give you the information you need to make an informed decision with a remediation company.

Good questions to ask are do I have a limit and how much is my deductible?

 

Does Insurance Cover a Flooded Basement Caused by a Sump Pump?

 

 

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