Many consumers have purchased Water Backup coverage on their homeowner policy, and assume that they don’t have to worry about the heavy rainfall- which at times causes water to overflow into their home. The fact of the matter is, there is still cause for worry.
Water Backup coverage is limited to just that; water which backs up through sewer drains, or sump pump failure/overflow.
Any time water seeps in through cracks in your home’s foundation, coverage is questionable. Seepage is typically excluded from homeowner policies and coverage is usually not available for purchase. It is the homeowner’s responsibility to ensure that the foundation of the home is free from cracks and has been sealed to prevent water from coming in through the foundation walls.
If surface water floods over from outside into the home through window sills, doorways etc. your homeowner policy will not respond to water damage due to flooding. Flood insurance needs to be purchased separately to cover these types of losses.
Your best bet is to ask your agent what coverage you currently carry, and what if any limitations exist on your current policy.