Water Backup Coverage: What North Carolina Homeowners Need to Know

What Is Water Backup Coverage?

Water backup coverage is an add-on (endorsement) to your homeowners policy that protects you if water backs up into your home through sewers, drains, or a sump pump. It’s not automatically included in most standard home insurance policies, which means you could be left paying thousands out of pocket without it.
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When You Might Need It

Even if your home is nowhere near a flood zone, you’re still at risk for water backup. Common scenarios include:

• Clogged or Broken Sewer Lines – Tree roots, debris, or deterioration can cause backups.
• Sump Pump Failure – Heavy rain or power outages can overwhelm your system.
• Blocked Drainage Systems – Leaves or debris preventing proper water flow.
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What It Covers

A water backup endorsement typically helps pay for:

• Cleanup and water removal
• Repair or replacement of damaged flooring, walls, and furniture
• Replacing personal belongings damaged by the backup
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What’s Not Covered

• Flooding from heavy rain or storm surge (requires separate flood insurance)
• Gradual leaks or maintenance issues
• Damage from groundwater seeping into your home
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Why It Matters in North Carolina

From Wilmington to Raleigh, Charlotte, and smaller towns across the state, North Carolina homeowners see a wide range of weather—sometimes all in one week. Heavy rain, aging infrastructure, and rapid development can increase the risk of sewer or drain backups.
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How Sizemore Insurance Helps

We’ll:

• Review your current policy to see if you have water backup coverage
• Recommend coverage limits based on your home’s risk
• Compare options from top carriers to find the best rate
• Make sure you understand how your deductible applies

Don’t Wait for a Backup to Happen

Add water backup coverage before the next big storm. Start your homeowners insurance quote online today or call (910) 791-1011 to speak with a Sizemore Insurance advisor.

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