Water Exclusion Clause

What Does Water Exclusion Clause Mean?

A water exclusion clause is a restriction in a homeowner’s or renter’s insurance policy that excludes coverage for claims related to damages caused by floods, tsunamis, groundwater, standing water, and sewage backups.

Insuranceopedia Explains Water Exclusion Clause

The rationale behind a water exclusion clause is that natural catastrophes such as floods, tidal waves, and earthquakes primarily impact individuals living in high-risk areas and, therefore, may not be covered under standard insurance policies.

In addition to water damage, homeowner’s insurance policies often exclude other risks, such as earthquakes, landslides, war, nuclear hazards, and government actions. To obtain coverage for these risks, you can purchase a rider to your main policy for an additional premium.