Backed up sewers can cause thousands of dollars in damage to floors, walls, furniture, and electrical systems. And think of the smell and clean up! If this happens to your home or business, will your insurance cover the damage?
Many people assume sewage backup or sump pump overflow is covered by their homeowners or business insurance policies. This is not true! Standard policies don’t cover the damage. If it is on the policy, the coverage is minimal.
The good news is that water and sewer backup coverage can be purchased under your homeowner’s or commercial property policy and it’s very affordable. We recommend that all property owners have this coverage even if you have an unfinished basement or lower level. Water that backs up from a sewer or drain can create a clean-up nightmare and also damage appliances like electrical circuitry, furnaces and water heaters as well as personal belongings stored in your lower level.
Water and sewer backup coverage is different from flood insurance and neither are automatically part of a homeowner’s policy.
Water backup occurs when water or water-borne materials back up into your home. This can come through sewers, drains, a sump pump, or related equipment.
Flooding occurs when water enters a home through windows, doors, window wells or cracks in the foundation. This can be caused by an overflow of rivers or lakes, melting snow or even excessive rainfall. If you live in a flood zone or have concerns about flood damage, please contact us for more information.
Some water and sewer backups are unavoidable, but there are some simple things you can do to prevent backups in your sewer line:
The cost of sewer backup coverage is affordable. Our Neckerman team can provide you with more information about coverage costs, limits and deductibles. Contact us at 608-238-2686 to learn more about this coverage and all the affordable ways we can help you to protect your home, business, and personal property.