Sewer & Drain vs. Flood Insurance
A flood involves rising waters, such as those caused by rain, melting snow, or overflow of a river. However, a homeowner’s or a commercial property policy does not cover it. The primary way to insure your home or commercial properties against flood is through the National Flood Insurance Program (NFIP)
Sewer and drain backup on the other hand involves water that causes damage to to house and property as a direct result of a sewer or drain that backs up. Sewer and drain back up coverage can be purchased as an endorsement to your homeowner's and commercial policies.