Standard homeowners insurance has its limits and sewer backup is one of the most common coverage gaps. Adding a sewer backup rider to your policy is a simple, affordable way to protect yourself. Contact us to learn more.
What Protection Does It Offer?
For an additional premium to your homeowners insurance policy, an endorsement for water backup and sump discharge can cover
losses caused by the following:
- The backup of water or waterborne materials through a sewer or through a drain.
- Water or waterborne material that overflows from a sump, even if the backup of water is due to the mechanical breakdown of
the sump pump. Coverage may include damage to covered property but excludes the sump pump and any related equipment
that has broken down.
The endorsement does not cover losses involving owner negligence, such as damage due to forgetting to turn on your sump pump
or damage caused by a flood.
Some water and sewer backups are unavoidable, but there are some simple things to look out for to avoid backups in your
sewer line:
- Cooking grease: Instead of rinsing grease down your drain, dispose of cooled grease in your garbage.
- Shrub and tree roots: It’s common for the roots of trees and shrubs to make their way into sewer line cracks. Over time, the
cracks allow debris to build up. If you have continuing problems with tree roots in your sewer lateral, consider replacing it with a
pipe made of plastic. - Illegal plumbing connections: Connecting flood control systems to your sanitary sewer only spells trouble. Consult a plumber
to correct any illegal connections. - Paper products: Do not flush anything other than toilet paper down your drain.
Water in Your Basement?
Sometimes, water entering the basement is not due to a sewer backup but rather from poor soil grading around your home’s
exterior. If you have a water problem and have ruled out sewer backup, making sure that water is draining away from your home’s
foundation properly can often fix the problem.
The cost of sewer backup coverage can be affordable. Our team can provide more information about coverage costs, limits
and deductibles. Contact us to learn more about this coverage and all the ways we can help you protect your home and
personal property.
Material posted on this website is for informational purposes only and does not constitute a legal opinion or medical advice. Contact your legal representative or medical professional for information specific to your legal or medical needs.
