Not so, nowind. No offense intended but you are mistaken. If excessive rain caused the sewer system to back up and you had included back up coverage you're claim would be paid subject to the coverage's deductible.

Moco, policy language isn't that complicated anymore and has been rewritten specifically to make it easier for consumers to comprehend. It's your obligation to read your policy and if you don't understand something pick up the phone and ask.

The bottom line is that most consumers don't want to be bothered with it and sometimes that comes back to bite them in behind.

She needed sewer backup insurance not flood insurance.

A friend wasn't covered because she didn't have flood ins. after sewer backup flooded her basement from rain and runoff in Beloit. She lives on a hill.

Flooding directly from rain and flooding from an elevated body of water like a lake or river are two different things. Flooding directly from rain wouldn't require flood insurance, such flooding would be covered by homeowners or hazard insurance, which are the same thing.

If the city claims "excessive rain is to blame " than that would fall under "Flood" Insurance and most likely the insurance company would deny a "Back up of Sewer and Drains coverage"

Yes, it's a new separate item of insurance. I think it's 20 or 30 bucks a year.

Are you in good hands?

It sounds like we have to say to our agents, "I'll have what you have on your house and then add some more". Wow, it sucks being a grownup and having to figure out all this responsible stuff. Maybe someone should hold a class on house insurance to clue us in on what we might need some day.

But how does someone know to ask for all these to be included. I guess I haven't read every letter in my policy but I'm pretty sure no one ever told me what it didn't cover. I realize it is my responsibility but who would ever have thought to ask that when purchasing insurance???????

Approximently 95% of the causes of claims presented for dwelling damage and 92% of those presented for damaged property. And you can increase those precentages by adding endorsements as needed.

I get so tired of having to list every possible need for homeowners ins. Just what does a regular policy cover anyway?

It's called Back up of Sewer and Drains coverage. Homeowners insurers offer it as an endorsement on homeowner insurance policies. Even renters can purchase it. All they would have had to do is include it on their policy and they'd have been taken care of.