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Insurance Q&A of the Week: Back-up from within or from Outside the Dwelling

A quick explanation of the water back-up and sump overflow endorsement.

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Please provide us with your opinion as to the intent of the HO 04 95 Limited Water Back-up and Sump Discharge or Overflow Coverage. Does this limit off-premises backup (the entire neighborhood’s sewer effluent backing up through the insured’s sewer line into their basement) or is it meant to limit an over-flow from a clog on the insured’s premise by effluent created by the insured and simply is unable to leave the premise due to a clog on-premises and thus effluent overflows from the toilets, showers etc. on-premises?

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