2024 Tropical Weather Thread

superchuck500 said

My parents have a place in Boone and they didn’t have damage but the next neighborhood where their friends live did.

He told me that “[Their] underwriters have advised they will cover their policyholders under the backed up water vs rising water clauses. Hopefully some of the others will follow suit.”

Do you know about backed up water and rising water clauses?

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Technically "water backup" is for claims arising out of water in homes from backed up sewer lines ( or some other form of backflow).

I would imagine the "rising water" is an exclusion since rising water is generally considered flood.

So sounds to me as if the carrier will allow them to file claim for water back up.

Now the caveat is (without seeing policy terms , coverage and conditions) is there is usually a "sublimit" (or cap) on loss. Anywhere from 10k to 25k specific to water back up.