Our sump pump failed and the insurance company is denying our claim because the water backed up through our sewers. Can they do this?
“Most insurance policies exclude water damage from water that backs up through sewers or drains. You may wish to contact your agent and inquire about putting an endorsement on your policy, which would cover sewer back up.”
What property and perils are excluded from most homeowner policies?
“Most homeowner policies provide coverage that does not apply to animals, birds, fish, automobiles and business property; for loss or damage caused by flood, surface water, water which backs up through sewers or drains, earth movement, nuclear damage, war, etc. There are specific limits of coverage on property insured under the homeowner’s policy such as money, securities, water craft, theft of jewelry, silverware, and/or guns.”
What is the difference between property damage liability insurance and collision insurance?
“Property damage liability insurance covers the cost of damage you may cause to the property of others. Collision insurance covers damage to your own car caused by a crash, minus any deductible.”