Water Backup/ Sewer Backup... Are you covered?

1/12/2017 (Permalink)

The drain is backing up, and then going back down the drain.

If this question leaves you in doubt, it might be a good idea to confirm that you are covered for such a loss with your insurance agent.  The fact is, most unendorsed homeowner's insurance policies DO NOT provide coverage for Water Backup & Sewer Back up.

Water Backup & Sewer Backup claims are one of the more common insurance claims on a homeowner's policy and can be one of the most costly as well.  Types of losses we are referring to are as follows:

• Backup of a sewer or drain
• Over flow or discharge of a sump
• Sump failure

Even if you have an unfinished basement, you should STRONGLY consider the endorsement as losses can add up quickly when the water is rising.  Water backups not only cause damage that is difficult and expensive to repair but also can create health hazards.

Call your agent today to discuss your policy.