In the ISO standard homeowners policy an exclusion exists for water; this exclusion includes not just flood and surface water, but waves, tidal waves, and water which backs up through sewers or drains or overflows or is otherwise discharged from a sump, sump pump or related equipment, among other things. With the update to the forms effective March of 2022, ISO added a new endorsement, the HO 06 95, Broadened Water Back-up and Sump Discharge or Overflow Coverage. The purpose of this endorsement is to remove the limitation that restricted coverage to water that originated from within the dwelling in order for back-up coverage to apply. This broadens the coverage that is provided in the HO 04 95, the Limited Water Back-up and Sump Discharge or Overflow Coverage form.

The form allows an insured to schedule an amount for back-up and sump discharge or overflow. The basic limit is $5,000, but that may be raised to $10,000, $15,000, $20,000, or $25,000. The selected limit must be shown in the schedule.

A. Section I – Property Coverages

E. Additional Coverages The following coverage is added: Broadened Water Back-up And Sump Discharge Or Overflow Coverage We will pay, up to the Limit Of Liability shown in the Schedule, for direct physical loss not caused by the negligence of an "insured", to property covered under Section I caused by water or waterborne material, which:

1. Backs up through sewers or drains; or 2. Overflows or is discharged from a:

a. Sump, sump pump; or b. Related equipment; even if such overflow or discharge results from mechanical breakdown or power failure.

This coverage does not:

3. Apply to direct physical loss of the sump pump, or related equipment, which is caused by mechanical breakdown or power failure; or 4. Increase the limits of liability for Coverage A., B., C. or D. stated in the Declarations.