What is a water back-up endorsement?
A water back-up endorsement (often ISO HO 04 95) extends HO-3 coverage to water damage caused by sewer or drain backup, sump pump failure, or saturated soil pushing water through the foundation. Typically sub-limited at $5,000-$25,000. Not included in the base HO-3 policy.
Category: Insurance & Claims
Reviewed: 2026-04-19
Source: ISO HO 04 95 endorsement
RP
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