Check Insurance Policy for Sump Pump Coverage

Written by David Heffner of Heffner Plumbing
Updated September 7, 2015
Basement sump pump
Are you sure if your insurance covers sump pump failure? (Photo by Summer Galyan)

A veteran plumber advises homeowners to check for sump pump failure coverage.

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A homeowner's insurance policy does not automatically mean that you are covered if your basement floods from a sump pump failure or a catastrophic weather event.

A rider for sump pump failure can be added to a home insurance policy for approximately $100 per year. The catch is you have to ask for it. This won't automatically be done when you get an insurance policy.

Action item: Call your insurance agent to find out what your policy actually covers and get the rider for sump pumps if you don't already have it.

The National Flood Insurance Program (NFIP) was established in 1968 as a way to extend insurance coverage to communities since most private insurance companies don't provide this. Click here for more information and to find out if the area that you live in is eligible for flood insurance.

Heffner is a licensed plumbing contractor in Indiana and is bonded and insured. Heffner Plumbing is a highly rated company with Angie’s List and has received the Super Service Award every year since 2004. Heffner received the 2009 Contractor of the Year Award by the Greater Indianapolis Plumbing-Heating-Cooling Contractors (GIPHCC) and is a complaint free company with the Better Business Bureau.

As of Sept. 16, 2011, this service provider was highly rated on Angie’s List. Ratings are subject to change based on consumer feedback, so check for the most up-to-date reviews. The views expressed by this author do not necessarily reflect those of Angie’s List.

Do you know if your instuance policy covers sump pump failure? Talk about it in the comments below. 

Editor's note: This is an updated version of an article that was originally posted on Sept. 8, 2011. 

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