Home owners insurance coverage

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 28, 2011

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Insurance Question from White Marsh, MD

Asked on 11/28/2011

Home owners insurance coverage My basement was flooded due to a general power failure that made my sump pump fail. I did not have water damage coverage. The insurance adjuster told me I would be covered under the power outage provision of the policy. The insurance company has denied my claim saying that while I have power outage coverage, it only covers damage caused by an insured peril and water damage was not an insured peril. This seems funny to me. There must be a difference between coverage under the water damage provision versus under the power outage. What do you think? I also need to find a new insurance company.

Answer given on December 02, 2011

Homeowner insurance policies vary as to what kind of water damage is covered. Some of the more elite policies include back-up of sewers and drains, sump pump failure and the like. Other policies have limited water damage but you can purchase additional protection for an additional premium. This could include the back-up of sewers and drains. However, if the damage is caused by a flood, no homeowner policy provides coverage for that. A separate flood policy from FEMA would be required for that protection.You should contact your agent to see if he can explain why there is no coverage for the damages you incurred, especially since you were originally advised there would be coverage. You can also review your homeowner policy, but the agent should be able to explain it more quickly. You should also find out if, going forward, you can purchase additional coverage for this type of loss.

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