All about Water Protection
Water Protection provides coverage for loss or damage caused by:
- Flood, which means the overflow of an interior body of water
- Surface Water, which means the sudden and accidental entrance of water on the surface of the ground where it does not normally accumulate
- Ground Water, including the sudden and accidental entrance of water from below the surface of the ground including the rising of the water table
- Sewer Backup, which is the sudden and accidental backup or escape of water or sewage from a sewer, septic system, sump pit, or drain
Extensions
Outdoor Trees and Shrubs
If your policy provides coverage for outdoor trees and shrubs, it is extended to damage covered by the water protection endorsement.
Additional Living Expense
If your policy provides for additional living expense, this is also extended to the perils covered by the water protection endorsement.
Sewer or Sump Mitigation
We will pay up to $1,000 for expenses you incur for the installation of a sewer and/or sump pit backup loss mitigation device following a loss covered by this endorsement.
Response to Civil Warning
We will pay up to $5,000 for expenses incurred by you to protect your insured property in response to a warning by a civil authority.
Exclusions
There is no coverage for coastal flooding, continuous or repeated seepage, or leakage for damage caused by earth movement or occurring when the dwelling is vacant or under construction.
Frequently Asked Questions
How are the risk levels for Water Protection Coverage established?
Unlike sewer backup tiers which are based on postal codes to determine various tiers, water protection risk levels are specific to the GPS coordinates of the dwelling to be insured. The risk level is established by a third party analytics organization based on a number of factors including flood exposure, limits of insurance, construction, and number of stories.
Is Sewer Backup and Water Protection available separately?
Yes and No. Where water protection coverage is available, sewer backup will only be available as part of water protection. If water protection is not available, sewer backup may be available separately. Water Protection is not available without sewer backup.
Where Sewer Backup is available separately, has the coverage changed?
Yes, sewer backup now specifically excludes any loss or damage resulting from or contributed to by flood, surface water or ground water unless it clearly entered solely through a sewer, sump, or septic system.
Is Water Protection available on all policies?
No, Water protection is only available on residential properties in risk levels deemed to be Low or Medium. Water protection is not available in risk levels determined to be High.
What is the cost of the Water Protection Endorsement?
The cost for water protection will vary and is based on the combination of the tier established by postal code and the risk level as determined by GPS coordinates. .
