Is sump pump failure and related damage covered by most homeowner’s insurance?

Question

Is sump pump failure and related damage covered by most homeowner’s insurance and do I have to wait for the assessor or can I repair the pump and start getting the water and damage dried out...

Answer 1

Dear Bummer Plumber,
Yes, most sump pumps are covered by most insurances IF it is a new constructed home or if your existing company covers flooding at all. Some do but some don't unless you pay extra for it. Especially in heavy rain or flooding areas. You really do need to contact the insurance company before repairing the pump and clearing ghe water however. They need photos and proof of actual cause of flooding before they will pay for anything. Best Wishes.

Answer 2

This type of claim often turns ugly and I'm not just talking about the damage that the water causes. Mbrcatz17 is correct, you need to have the proper coverage endorsement in order for this to be covered. Some policies offer coverage of $1000 and most offer $5000. I would suggest replacing the pump, not repairing it. These things wear out and need to be replaced. I replace mine every 5 years (but. I'm an insurance adjuster so I'm not normal) so I can help avoid these types of situations. No matter if you repair or replace the sump pump do NOT let anybody take it or throw it away. If the pump is not real old and it failed you and your insurance company may have a claim against the manufacturer for a defective product. You can NOT make a claim if the old pump is thrown out taken away by the plumber. Most people assume that ANYTHING that happens is covered by their insurance policy, it is NOT. Changing insurance companies is not going to get this type of claim covered unless you buy the proper coverage endorsement. The policies that the insurance companies sell you are approved by your State. So, if you want to be angry at somebody start with your state legislature. In the meantime, talk to a trusted plumber about what options you have for a secondary sump pump system to avoid this type of misery in the future. Yes, a secondary system is expensive but it cost less than losing everything in a finished basement. Good Luck.

Answer 3

Some do cover it, I have a float switch in my sump well that is hooked to my home alarm system. It the pump don't work, the raising water will set off the alarm to inform me to take action.
Use can hook it to any bell.

Answer 4

Actually there is an endorsement you can get on your insurance that is strictly for sump pumps. I just learned this the hard way. Hopefully you have it on your insurance.

Answer 5

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