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Compare rough water damage amounts with limits shown on policy pages for water backup, sewer or drain backup, sump overflow, flood, and service line paths. This is a review helper, not a claim decision or policy change.
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Based only on what you enter. Unknown limits become document prompts, not errors.
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Send the core pages now. Use the helpful list only if those items are requested or already available.
Based only on what you entered. This is not a claim payment estimate. Your policy documents and claim facts control. Unknown limits or deductibles can change this result. An amount above an entered limit is a review prompt, not a coverage decision.
Your result stays on this page until you copy, email, print, share, or send it to PureCover.
Your result is based only on what you entered. If you send it to PureCover, PureCover can use the summary and documents to review the policy; policy forms, endorsements, exclusions, review rules, and facts control.
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Plain-English answers
Do not assume that a homeowners, renters, condo, or landlord policy includes flood. This calculator separates flood or surface water into a flood-policy review path so the user can verify building and contents limits.
No. Water backup, sewer or drain backup, sump overflow, and service line repair can involve different limits, deductibles, endorsements, and documents. The calculator keeps service line repair separate from cleanup or damage caused by backup.
Choose Not sure. The calculator produces a document-first result instead of guessing the cause or saying whether something is payable.
No. It compares entered amounts with limits shown on policy pages and organizes documents. It does not recommend filing or not filing a claim, predict premium effects, or decide what the carrier owes.
Gather the current declarations page, water backup or sewer/drain endorsement, flood declarations page if one exists, service line endorsement if one exists, photos, repair estimates, mitigation invoices, plumbing reports, and any HOA, landlord, lender, or property-manager notices.
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