Home Insurance Sewer Backup Coverage

6 Reasons You Need To Buy Sewer Backup Insurance Coverage

Home Insurance Sewer Backup Coverage

Posted by Bruneau Amitee on Monday, 10 February, 2020 06:27:26

Standard home insurance policies do not generally cover sewer backup, meaning that if you find yourself ankle-deep in raw sewage, you may be on the hook for cleanup and repairs. Fortunately, sewer backup coverage can be added to your existing insurance policy as an endorsement, and covers damage that results from water and sewage moving up through drain lines into your home.

Most homeowners and business insurance policies do not cover sewer backup unless specific coverage is added to the policy, according to the Insurance Information Institute (I.I.I.).

Every homeowners insurance policy explicitly states that any damage caused by a sewage back up will not be covered. Whatever the water or raw sewage destroys will not be qualified for replacement from the insurance company.

Many homeowners insurance policies don't include sewer coverage automatically, but they can be added with an endorsement or rider. Septic tanks can crack and leak as they age, causing water to back up into your home, causing mold damage and bad smells.

Sewer backup is an extension to your regular home, tenant or condo insurance policy, which will pay for damages to your home done by, well, the sewer system backing up. Sewers can backup during periods of heavy rainfall, when the city sewer system can simply not handle excess water, causing it to overflow into your home.

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