💧 Extended Water Coverage
What It Does:
Extended Water coverage offers broader protection for certain types of water damage that are not usually included in a standard homeowners policy — including limited flood-related events.
✅ What’s Covered
- Damage caused by:
- Surface water or runoff from heavy rains
- Water overflow from sump pumps or drains
- Seepage through foundation walls
- Flooding from certain natural sources (if included)
- Repairs to:
- Flooring, drywall, and insulation
- Furniture and personal items
- Water removal and cleanup costs
🚫 What’s Not Covered
- Catastrophic flooding (e.g., river overflow, hurricane surge — unless specifically included)
- Gradual leaks due to lack of maintenance
- Sewer backups (covered under separate Sewer or Drain Backup coverage)
💡 Real-Life Example
After days of heavy rain, water seeps through your basement walls and damages your carpet and furniture. A standard homeowners policy wouldn’t cover this — but Extended Water does.