Winter Water Damage

Ice MeltingWith the outside temperatures fluctuating and the snow melt we’re expecting later this week you should be concerned about excess water in your basement or the lower level of your home.  Did you know that homeowners policies don’t cover water that overflows from your sump pump or backs up through your sewer lines? You need to add this coverage via an endorsement in order to have this as part of your policy.

To keep your home safe, we recommend purchasing this optional water backup coverage (sump pump discharge/overflow and sewer backup) as part of your home insurance policy, along with making sure your sump pump is functioning properly. 

How to Keep Your Sump Pump in Good Condition

A sump pump is an important tool that can help protect your property by controlling water and keeping your home dry. It is important to check your sump pump to make sure it is functioning properly this winter. Consider the following maintenance tips to help ensure your sump pump is ready when you need it.

  • Check the pump at least once a year to make sure it is still in good working condition.
    • Is the sump pump plugged in?
    • Is the power cord in good shape?
    • Is the drain hose connected properly?
    • Is there any debris in the area that could clog the pump and prevent it from working properly?
  • Pour water into the sump pit to test if the sump pump starts up automatically and quickly drains the water.
  • Since sump pumps run on electricity, consider installing a battery or water pressure backup system to help ensure yours will not fail, even in the event of a power outage. If you have installed a battery or water pressure backup, during your test of the sump pump installation, unplug the main pump to ensure that your backup will function properly.
  • Contact a professional if your sump pump is not working properly.

Water Backup/Overflow Coverage

Unsure if your current homeowners policy contains water backup /overflow coverage?  Contact your Walsh Duffield agent today to review your plan. 

Tip: Be sure to also inquire if your furnace, hot water tank and washer/dryer are covered with this type of loss as not all companies include these items as covered property! 

For more information visit: 

Stephen E. Mayo
Vice President