Flood and water backup are different. Insurance coverages for the two are also different. Learn the difference here.

Flood is an excess of water or mud on the normally dry land. The excess of water causes it to come in through the door or window well. Thawing snow or heavy rainfalls can cause flooding. If you do not live near water, it does not mean you are not at risk from flooding. Flash floods can happen anywhere without warning, when a lot of rain falls within a short time period.

Water backup can be triggered by heavy rain. Sanitary sewer or storm sewer might back up into the house through fixtures in the basement or a sump well. In case of motor failures or power outages, sump pump failure might happen. 

Difference in Insurance Coverage

Flood insurance and water backup coverage are two additional coverages you can purchase together with your Homeowner’s Insurance policy. Flood insurance can protect your property, including the foundation and physical structure of your home, electrical system, plumbing, central heating and air systems, attached structures, and detached garages. Besides the property protection, flood insurance may cover your personal belongings, including furniture, electronics, clothing, and valuables, depending on the coverage.

Water backup coverage added to your Homeowner’s Insurance policy can protect in case of a sewer backup from an outside drain or sewer. The coverage will protect in the event of accidental and sudden water damage. In the event a pipe ruptures or water heater bursts, and as a result, the drywall suffers damage, the coverage will help.