As severe weather seems to be the norm rather than the exception these days, it’s good to make sure you have the coverage you need for you home and personal property. ,Make sure you have Water Back-up of Sewers and Drains coverage on your home-owners policy.

Most insurance companies offer the option to purchase Water Back-up of Sewers and Drains coverage. ,Often Back-up of Sewers and Drains endorsements cover direct physical loss to your home and what you have in it caused by water or waterborne material that backs up through sewers or drains or overflows from a sump pump. ,This coverage is especially beneficial if your basement is finished, or if it contains anything of value (like a furnace, hot water heater or personal property) that could be damaged., Keep in mind though, that water back-up coverage does not apply to a loss caused by flooding. ,A separate flood policy is needed to protect against flood damage and other surface water that finds its way into the home by means OTHER than back-up or as a direct result of other direct physical loss (e.g. lighting damage, tree damage, wind damage).

Please contact your Whitaker-Myers Insurance Agent today to make sure you have this very important coverage and/or to inquire abut Flood coverage too.

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