For most people purchasing homeowners insurance is just another obligatory step in the home buying process. Homeowners find themselves putting their name on yet another dotted line hoping that the standard homeowners policy they just purchased ensures the complete safety of their new investment. Homeowners policies, however, contain a basic exclusion for water which backs up through the sewer or drains, leaving you responsible for the physical damage, contents, and clean up. Coverage can be purchased, and is often times included in a package endorsement.
Water backup claims occur most frequently