The Basics of Sewer Backup Insurance
While shopping for home insurance, it's important to anticipate all the headaches that can go along with home-ownership, including sewer backup.
When sewage flows into your home, it can cause thousands of dollars in damage, and typical home insurance and flood insurance policies won't cover those expenses.
If your sewer's system's pipeline combines storm water and sewage, it's more likely to become overloaded during harsh weather. Tree roots can enter your pipes and cause blockages, or improperly disposing of cooking grease or flushing inappropriate objects down the toilet (diapers, feminine hygiene products or paper towels).
Many homeowners may not realize they are responsible for the maintenance and repair of the pipeline between the city sewer main, usually located in the street, and their house.
Sewage backup coverage is available from most insurers as a rider to a home insurance policy. Coverage for $5,000 to $10,000 in damages can run about $75 to $150 a year, according to FEMA, and there's usually a deductible.
If sewage seeps into your home, not only does the spill itself need to be addressed, but your plumbing may need to be flushed or replaced. Duct-work carpets, drapes and walls may be soiled, possibly beyond repair. Ewser backup insurance helps pay for incidental damage, such as cleaning contents, walls and furniture and some policies may cover work on plumbing.
To get the maximum claims payment to which you're entitled, make sure you have photos on hand of what your home looked like before the damage took place. That way, you can provide your claims adjuster with "before" and "after" pictures. Be sure to itemize property losses and save all receipts for repairs and cleaning.
Do you have water damage in your home?