Water Back-Up, Overflow, or Discharge: Your Mini Guide to Homeowners’ Claims

When it comes to water damage there is a thin line between what’s covered and what is not. Here are the differences between a water back-up, discharge, and overflow.

  • Water Back-up – The term “water back-up” is applicable when water is unable to flow in its natural path, causing it to flow in a reverse motion. An example of this condition would be a collapsed pipe or blockage in the pipe
  • Overflow – An overflow is when the flowing water exceeds its barriers. For example, if your bathtub overflows due to excess water, it creates an “overflow” onto the floor and surrounding areas.
  • Discharge – Discharge takes place when there is a hole in the pipe, also known as a leaking pipe. There is not a direct overflow nor is there a water back-up, there is simply discharge from an unfamiliar location in the pipe.

When it comes to homeowners insurance, the actual origination of your claim can make a big difference. To help determine whether or not your policy properly addresses the various types of water damage losses, please contact us  at Chivaroli Premier.