Ground water that seeps through a window well, a crack in the foundation, or that comes through the front door will never be covered by this endorsement. These claims would only be covered with Flood Insurance. The Water Backup and Sump Pump Failure endorsement will only pay when water enters a home through the sewer system or due to failure of the sump pump. For example, a lightning storm knocks out the electricity, the sump pump doesn’t work and the basement floods. This would be a covered claim if someone maintains this endorsement.