Simply put, water damage refers to the sudden and accidental escape of water or steam from plumbing, heating, sprinkler, or air conditioning systems, or, that comes in (suddenly and accidentally) through an opening created by an insured peril (i.e. a tree falls on the house and creates a hole in the roof through which water enters the home). With some exceptions, these losses are covered. One notable exclusion to water damage coverage is that coverage is NOT provided by the policy for damage caused by the backing up or escape of water from a sewer, sump, or septic tank system. This coverage, often called Sewer Backup, can be purchased at a reasonable premium to provide protection for your dwelling and contents in the event of a loss of this nature.