Water Backup, Service Line, and Ordinance or Law: Three Endorsements Worth Every Dollar
· Home Insurance
Standard homeowners forms leave three predictable gaps. Each one is closed by an inexpensive endorsement most policyholders have never been offered.
Water Backup and Sump Overflow
Damage from a backed-up drain or failed sump pump is excluded by default. A $10,000 to $25,000 endorsement typically costs a modest annual premium and covers one of the most common interior losses.
Service Line Coverage
Buried water, sewer, and electrical lines on your property are your responsibility. Excavation alone can run five figures, and service line coverage handles the dig, repair, and restoration.
Ordinance or Law
After a covered loss, current building code may require upgrades the original construction did not include. Ordinance or law pays the difference between rebuilding as it was and rebuilding as code requires.
- Electrical and plumbing upgrades
- Wind mitigation and strapping requirements
- Demolition of undamaged portions
Frequently Asked Questions
Are these endorsements expensive?
Together they usually add a small fraction of an annual premium, far less than the deductible on a single uncovered loss.
Does flood insurance cover water backup?
No. Flood policies cover rising surface water; backup through your own drains is a separate endorsement on the homeowners policy.
Talk to a Licensed Florida Agent
SunGate Insurance Agency is a locally owned and operated independent agency in Lake Mary, Florida, serving clients across the state. Send us your current declarations page or a competing proposal and we will show you exactly what changed — in writing. Call 407.878.7979 or start with our quote calculator.
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