Standard homeowners insurance policies generally do not cover water damage caused by sump pump failure or basement flooding, unless you have specifically purchased an optional endorsement or "water backup rider." Standard policies classify groundwater seepage and sump pump failure as maintenance exclusions. However, if the sump pump failure was caused by a covered peril (such as a lightning strike damaging the electrical circuit), coverage may apply. Verification: Review your specific insurance policy declarations page and contact your insurance agent to verify water backup coverage.
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