Mt . Carroll: (815) 244-1570

201 W Market St

PO Box 207

Mt. Carroll, IL 61053

  • Facebook Social Icon
  • Twitter Social Icon
  • Google+ Social Icon
  • YouTube Social  Icon

Lanark: (815) 493-8892

106 N Broad St

Lanark, IL 61046

Text Us: 815-515-4345

Does my Illinois Home Insurance Policy Cover Water damage from a failed Sump Pump?


Have you ever been laying in bed at
night and  you hear a loud bang of thunder?


You see the flash of lightning and then
you hear the rain hit your roof.


I instantly think, is my sump pump going to keep up if not how much water is going to be in my basement how big of a mess is
it going to be, and how much is it going to


cost to clean this up?  If you have water
backup or some pump failure insurance on


your policy you've got a lot less to
worry about.


What is water backup or sub pump failure insurance it's an
endorsement you can add on to a


homeowner's policy an income property
policy or even your renters policy and


it's gonna cover water the backs of your
home it might be that some pump that


fails on a stormy night or maybe a drain
clogged while you were on vacation and all of a


sudden you've got a bunch of water in
your basement or the simmering a septic


system may not be working quite right
and it may be clogged and have water


back up in your basement you can imagine
what a mess that would be. Anytime water


backs up into your home you've got three
maybe four or five inches of water in


your basement your water backup
endorsement is going to provide coverage


for the property damage and the cleanup
- that not typically found on a home


insurance policy so you have to make
sure that you endorse it on your home


insurance if you didn't ask your agent
about this coverage or your agent didn't


mention it to you there's a good chance
you may not have this coverage. You


definitely want to call them and speak
them about getting this coverage on your


policy especially if you've got a
finish basement.  I recommend talking to an


independent insurance agent to make sure
that you've had its coverage and they


can properly insured you can give Clark
Carroll insurance agents a fall at

815-244-1570