Endorsements & Optional CoveragesQuestion 437 of 474
Water back-up and sump overflow coverage responds to which of these losses?
a.Storm surge pushes seawater into the home
b.A sewer backs up through the basement drain
c.Rain floods the street and soaks the yard
d.A swollen river runs in a basement window
Explanation
The endorsement covers water that backs up through sewers or drains or that overflows from a sump or sump pump, a loss the unendorsed policy excludes. It is not flood coverage: water arriving from a rising river, a flooded street or a storm surge is surface water and needs a separate flood policy. Candidates who treat the two as interchangeable leave the insured with the wrong protection.
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