A water exclusion clause is a restriction in a homeowner's or renter's insurance policy. It excludes from insurance coverage all claims for damages arising from floods, tsunami, groundwater, standing water, and sewage backup from coverage.
The logic behind a water exclusion clause is that floods, tidal waves, earthquakes, and the like are natural catastrophes that affect only those living in areas prone to such risks and therefore may not be covered under the normal channels.
Aside from water damage, homeowner's policies commonly exclude other risks. Some common ones include earthquakes, landslides, war, nuclear hazards, and government action. For specific coverage, you can purchase a rider to the main policy for an additional premium.
Share this Term
Stay informed with Insuranceopedia!
The world of insurance can be complicated. Subscribe to the Insuranceopedia newsletter and stay in the know! Access expert content, industry term definitions and answers to your questions from knowledgeable insurance insiders. Arm yourself with what you need to know to keep your assets and your family safe.
Latest Articles
