Cancel the forced insurance policy and add terms and conditions to your homeowner policy.

An insurance endorsement (also known as a rider) is a document that is attached to an insurance policy which modifies or changes the coverage provided in that policy.

An example endorsement is one that is placed on homeowner's insurance which protects the homeowner from floods.

No. your nanny is not a named insured on your home insurance policy.

No. there is no such thing as a retroactive homeowners insurance policy.

It should. You should request a policy review with your agent. It has to be stated in the policy what is and is not covered.

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DO review your policy with your agent. Sewer Backup is typically EXCLUDED from most homeowner's insurance. It CAN be added to a homeowner's policy. Have you read your policy?