The City of Whitewater has experienced a couple of Sewer Backup claims this summer. The City's insurance company has denied the claims because "there is no negligence on the part of the City." A homeowner's policy has many option available to add to the policy. They include but are not limited to: 1. Scheduled Jewelry 2. Identity Theft 3. Replacement Cost on the Dwelling 4. Replacement Cost on Contents 5. Inflation Guard coverage 6. Scheduled list of collectibles 7. Earthquake Coverage 8. Water Backup and Sump Pump overflow 9. etc
There are no set standard rules for Water Backup and Sump Pump Overflow. Every company has developed their own set of rules, limits, and premiums. WE RECOMMEND EVERY HOMEOWNER CONTACT THEIR INSURANCE AGENT AND ASK ABOUT THEIR SPECIFIC COVERAGE. Questions like the following would be helpful: 1. Do I have Water Sewer Backup and Sump Pump Overflow? 2. What is the coverage limit? 3. Are there optional higher limits of coverage and what are they? 4. What is the premium I am now paying for this coverage? 5. What are the premium options for the higher coverage limits 6. What is the current deductible for this coverage.
The largest claim our agency has paid for this coverage was $25,440.83 and the loss date was 6-24-2008. As in all insurance claims, this issue needs to be addressed BEFORE you have the claim. Feel free to call us at 262-473-3930 with any of your questions. We would be more than happy to help.