A flood involves rising waters, such as those caused by rain, melting snow, or overflow of a river.  It can cause enormous damage.  However, a homeowner’s or a commercial property policy does not cover it.  The primary way  to insure your home or commercial properties against flood is through the National Flood Insurance Program (NFIP)

Sewer and drain backup, on the other hand, involves water that causes damage to your house or property as a result of a sewer or drain that backs up.  Unlike flood insurance, the coverage for this type of loss can be purchased as an endorsement to your homeowner’s and commercial property polices.

Flood polices do not cover losses caused by sewer or drain backup.  Nor do sewer and drain backup endorsements cover true flood losses.

We urge you to consider adding Sewer and Drain Backup Endorsement to your Homeowners or commercial property polices as well as purchasing a Flood Insurance policy.