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Your sump pump is a normal expected homeowners maintenance issue. They will occasionally break down and need repair or replacement. Much the same as any other appliance in your home. Washers dryers refrigerators and even toasters occasionally die and need replacement.
However, Should the sump failure result in a water loss and you have the appropriate coverage, the resulting damage would be covered once you have replaced the faulty pump.
Contact your insurance agent to determine if you have the appropriate coverage.
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