Sump and drain coverage

Posted: Fri Jul 07, 2006 03:53 am Post Subject:

Hi Maryland, thanks for your query!
Welcome to the AmPmInsure :)

Coming to your query....
Wet basement problem is one of the common problems amongst others. And the insurance coverage for the wet basement varies between the states and the companies. But the standard homeowner's insurance policy does not provide the coverage for sewage/seeping problem. Special coverage can be purchased but that will be limited to the types of property coverages and the amount of coverage.

So it is important to ask your agent or company representative regarding this.
You are from maryland right?

Posted: Fri Jul 07, 2006 02:39 pm Post Subject:

Yes, I am in Maryland. It seems the real question is whether the french drain drainage system in my basement (which is in lieu of a sump pump) is considered a "drain" or "sump" which is covered under my optional coverage purchased for backup of sewer and drains. Thanks for your help.

S

Posted: Mon Jul 10, 2006 04:46 am Post Subject:

Sorry for being late.
Property damage caused by the backup of your sewer or sump-pump would likely be covered by the optional coverage.

Posted: Mon Jul 10, 2006 01:39 pm Post Subject:

That is the problem, I dont have a sump pump. My optional coverage does not not mention backup or failure of sump pump, it states backup of drains or overflow of sump. I am trying to determine if a french drain which is used to drain water out of the basement can be considered a "sump" by definition.
Thanks so much for your replies.
S

Posted: Tue Jul 11, 2006 04:00 am Post Subject:

French drain is the more elaborate system that redirects ground water before it seeps into your house as compared to the sumpump. Sump pumps can also be a part of your external drain system if water does not naturally drain away from the house. So far I know the french drain is financially much cheaper too.

That is why I feel its gonnabe tough to consider a drain as a sump pump. But I'm sure with a little luck you may find a way out !

Posted: Tue Jul 11, 2006 01:08 pm Post Subject:

Thanks. However, I am not trying to determine a french drain as a "sump pump", only a sump. My rider states "overflow of sump" or "backup of drain". I am trying to determine if my water in the basement from the french drain could be labeled as a "backup of drain" or "overflow of sump". The word "pump" is not included in the rider.

S

Posted: Fri Aug 11, 2006 05:58 am Post Subject:

I have been involved in a similar claim, and yes it would be considered a drain, or it at least should be considered a drain and was in my case.

Posted: Sat Feb 23, 2008 02:13 am Post Subject: Post Split

Hi george viteri,

Welcome to AmPmInsure. Your post has been split in order to gain more visibility in the forums. You will now find it here,

http://www.ampminsure.org/claims/about4304.html

Thanks,
Lakemen