A sewer backup can cause a lot of damage in a short time. Water and sewage can damage floors, walls, furniture, and other items in your home. Sewer backup coverage may help protect you from some of these costs.
Sewer backup coverage is an optional type of coverage that may be added to a home insurance policy. It can help cover damage when water or sewage backs up into your home through a sewer, drain, or similar system.
Standard home insurance does not always include this protection. The coverage available can also vary between insurance companies and geographical location. It is important to check your policy to see what protection you have.
Sewer backup insurance may help pay to repair or replace parts of your home damaged by a covered backup. This could include damaged flooring, drywall, cabinets, and other parts of the home.
It may also cover damaged personal belongings, depending on your policy. Some policies help with cleanup costs as well. Your coverage will have a limit. You may also need to pay a deductible before your insurance pays for a covered claim.
Sewer backup coverage does not protect against every type of water damage. For example, damage caused by flooding from a river, lake, or heavy surface water may require different coverage.
Damage caused by poor maintenance may also be excluded. Every insurance policy is different, so it is important to read your policy and ask your insurance provider about any exclusions. Knowing what is not covered can be just as important as knowing what is covered.
The right amount of sewer backup coverage depends on your home. Think about how much it could cost to clean, repair, and replace damaged items after a serious backup. The best coverage for sewer backups is the “policy limit” which would pay up to the dwelling value of coverage in the event of a loss. Many companies will set a limit for sewer backup coverage at a specified dollar amount, typically between $10,000 and $50,000. It should be noted that it isn’t unusual for sewer backups to exceed $50,000 in total costs and they can easily hit $80,000-$100,000.
Your insurance provider can help you review your home and coverage limits. Make sure you understand both your coverage limit and deductible.
A sewer backup can happen for many reasons. Heavy rain can put extra pressure on municipal sewer systems. Blocked or damaged sewer lines can also cause wastewater to flow back toward a home.
Tree roots, aging pipes, grease, and other materials can block sewer lines. Problems with a home's drainage system may also increase the risk.
Some causes are outside of your control. However, regular maintenance can help lower certain risks.
Do not pour grease or cooking oil down your drains. Avoid flushing items that should go in the garbage, even if they seem small.
Have plumbing problems checked before they become larger issues. If you have an older home or have had sewer problems before, you may want to have your sewer line inspected.
If your home has a backwater valve, make sure it is free from debris and working properly. Check and clean it at least once a year. If you do not have a backwater valve, consider asking a qualified plumber if one should be installed in your home.
Sewer backup damage can be expensive and stressful. Having the right coverage can help protect your home and belongings if a covered backup happens. Coverage, limits, deductibles, and exclusions can vary by insurance company and policy. Review your home insurance policy and ask questions if you are unsure about your protection.
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