Water Exclusion Clause

Definition - What does Water Exclusion Clause mean?

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.

Insuranceopedia explains Water Exclusion Clause

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.

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