Does Homeowners Insurance Cover Groundwater? 
Generally speaking , no . However , it is always important to check with your Insurance Professional about the particular points in your Homeowners policy . Some company 's policies may include coverage for damage caused by the failure of a sewer or drainage system . This can include anything from a sump pump to a curtain drain to gutters and downspouts . There would still need to be a determination by a claims professional as to the source of the water . 