Sewer backup and sump pump overflow are generally not covered by a standard Wisconsin homeowners or flood policy, and need a special endorsement. Flood insurance is a separate policy. Check your declarations page now, photograph the water if it happens, and call (833) 490-5225 to stop the spread.
Key takeaways
- The Wisconsin Office of the Commissioner of Insurance says sewer backup and sump pump overflow generally need a special endorsement.
- Flood insurance is a separate policy, through the National Flood Insurance Program or a private insurer.
- Check whether your policy includes the endorsement before a loss, not after.
- Backed-up sewer water is handled as contaminated water from the first minute.
Does a standard homeowners policy cover a sump pump failure?
Generally not. The state's consumer fact sheet says sump pump overflow and sewer backup need a special endorsement.
Ask your insurer whether the endorsement is on your policy, and what it covers, in writing.
The policy and the insurer decide any claim. This page describes the general position only.
What do I do when the sewer or the sump backs up into the basement?
Keep out of the water, shut off power to the wet area only if the panel is dry, and call. Backed-up water is contaminated, so the crew treats it that way.
Porous material that absorbed the water is removed, hard surfaces are cleaned, and drying runs against readings on the framing.
Find out which pipe is blocked before anyone assumes who is responsible. The city or the utility can say which line is involved.
Frequently asked questions
Is a sewer backup covered if I have a basic policy?
Generally not, without a special endorsement. Check the policy and ask the insurer in writing.
What should I do first when the sump pump stops?
Check whether the pump has power, clear the discharge if you can do so safely, and call (833) 490-5225 if water is on the floor.
Sources
This guide is general information for Jefferson County homeowners, not a substitute for an on-site inspection. Prices are estimates. See our disclaimer.