Commonly excluded or limited water damage types include groundwater flooding (typically requires separate flood insurance), sewer and drain backups (often require a water-backup endorsement), sump-pump failures (often require a specific endorsement), and gradual leaks from poor maintenance. Sudden and accidental internal leaks are typically covered, but the excluded categories are a frequent source of claim denials.
What you need to know
Groundwater flooding, sewer backups, sump-pump failures, and gradual leaks are commonly excluded or need endorsements.
In detail
Groundwater flooding: Water that enters from outside — through foundation walls, floors, or window wells — is typically excluded under standard homeowners policies. Separate flood insurance through the National Flood Insurance Program or a private carrier is generally required for this coverage.
Sewer and drain backups: Damage from sewage backing up into the home is often excluded under standard policies but can frequently be added via a water-backup or sewer-backup endorsement, subject to a specific limit.
Sump-pump failures: Similar to sewer backups, water damage from a sump-pump failure often requires a specific endorsement. Without it, the damage may not be covered. Gradual leaks from aging plumbing, roof leaks, or poor maintenance are typically considered maintenance issues and are not covered.
Insurance
These categories are commonly excluded or require endorsements. Review your policy and ask your carrier what coverage you have and what endorsements are available.
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Last reviewed: September 2026