Backup of sewer and drain coverage

In the unfortunate event that a drain overflows and ruins your valuables or a broken sump pump causes major damage to your house, you don t want to be left footing the bill to repair your place and replace your belongings. And while you may already be aware of the risk that flooding poses to your home and vehicle, you may not have considered another side effect of flooding: sewer back-up. Sewer back-up coverage is available to most homeowners as an optional coverage that can be added to a standard homeowners policy. What is Back-up of Sewer Drain Coverage?

These backups not only cause damage that is difficult and expensive to repair, but also create health hazards. That s where water backup coverage (also known as sewer backup coverage) can help. To get the maximum claims payment to which you re entitle make sure you have photos on hand of what your home looked like before the damage took place. Some policies may cover work on plumbing.

Whether spring rain or winter ice and snow melting, there is always a risk of flooding, no matter the time of year. Talk to your independent agent to learn more about water backup coverage.

Western National Insurance What is Sewer Backup? Sewer backup insurance helps pay for incidental damage, such as cleaning rugs, walls and furniture, says Whittle. Grange Insurance offers an endorsement called Backup of Sewer and Drains that you can add to your homeowners insurance policy. Some areas are more likely to need this optional coverage as they are located in places more prone to flooding and sewer back-up.

While floods are probably best known for causing extensive water damage to homes and businesses, they can also cause sewage from sanitary sewer lines to back up into houses through drain pipes.

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