Water Backup vs. Water Overflow
Water Backup Coverage (aka Sewer/Sump Pump Coverage) covers the backup of water from a:
- Pipe or drain
- Sump pump
- A mechanical device used to transport water
Water backup is NOT the same as water overflow. You can spot the difference from the way the water looks and where the clog is in the toilet/plumbing. Water Overflow water is usually clear/barely dirty, as it has never entered the plumbing system.
Water backup water is often brown/black/grainy as it comes from deeper within the plumbing system.
So if your toilet clogs and water spills onto the bathroom floor, that is water overflow.
If water gets blocked from below the toilet bowl flange, backups and fills your bathroom floor, this would be water backup.
Your home insurance policy includes water overflow under the water damage clause but does not cover water backup. You can generally purchase water backup coverage as an add-on coverage when you first purchase your policy in increments of $5,000 of protection. It is best to consult your agent and read your policy documents before filing a claim relating to your toilet.
I hope that helps!
At your service,