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In the ISO standard homeowners policy an exclusion exists for water; this exclusion includes not just flood and surface water, but waves, tidal waves, and water which backs up through sewers or drains or overflows or is otherwise discharged from a sump, sump pump or related equipment, among other things. With the update to the forms effective March of 2022, ISO added a new endorsement, the HO 06 95, Broadened Water Back-up and Sump Discharge or Overflow Coverage. The purpose of this endorsement is to remove the limitation that restricted coverage to water that originated from within the dwelling in order for back-up coverage to apply. This broadens the coverage that is provided in the HO 04 95, the Limited Water Back-up and Sump Discharge or Overflow Coverage form.

The form allows an insured to schedule an amount for back-up and sump discharge or overflow. The basic limit is $5,000, but that may be raised to $10,000, $15,000, $20,000, or $25,000. The selected limit must be shown in the schedule.

A. Section I – Property Coverages

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Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.  

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