Imagine coming home one day to a backup of water or sewage in your home. Depending on the extent of the damage, it could be expensive to clean, repair, and replace damaged items in your home, not to mention the cost of repairing damaged lines or pipes. Standard homeowners insurance is unlikely to cover this type of damage unless you have obtained a specific endorsement to cover it. Since any type of water damage can be expensive, it might be worth looking into what options your home insurance company has for this type of coverage and considering purchasing it to protect your finances.
what is sewer overflow insurance?
In a nutshell, sewer overflow insurance covers damage from sewage standing in your bathtub, toilet, basement, or anywhere else in your home. Depending on the cause of the overflow, sewer overflow coverage helps pay for the cost of repairing your sewer line (up to the city sewer line) and removing sewage and water from your home. Some other names this coverage may be known by include water backup insurance, sewer backup, and drain line backup coverage.
Reading: What is sewer backup insurance
Does homeowners insurance include sewer overflow coverage?
No, a homeowners insurance policy does not automatically include sewer backup coverage. however, many home insurance companies offer it as an optional coverage, or endorsement, that is an add-on to the standard homeowners insurance policy. the endorsement offers a certain amount of coverage that will pay for sewer or water overflow claims.
For example, here are two sewer overflow cases that would likely be covered under your homeowners policy if you were to select the sewer overflow coverage endorsement:
- During a heavy downpour, your sump pump fails, causing water to back up in your finished basement, damaging your children’s playroom, all of their toys and other personal items, as well as causing structural damage to the house.
- Tree roots grow into the septic line outside your home, causing sewage to back up into your home and flood it with sewer water. all of your personal property in the basement needs to be replaced and your yard needs to be dug up to fix the broken septic pipe and remove tree roots.
- clogged pipes: Drain pipes can become clogged for a number of reasons: general lack of maintenance, flushing non-degradable items down the toilet, and dumping large amounts of food particles into the trash, what a few common taxpayers. letting the clog persist can result in a bigger sewer overflow problem in other parts of the house.
- tree roots: When underground pipes become entangled in strong tree roots, they can break and collapse, causing sewer overflows. Have slow drains and unusual noises checked as soon as you discover them in time to prevent tree roots from damaging your sewer system.
- broken line – Damage to the line that runs between your house and the main can often cause sewage to flow onto your property. Contact your local municipality if you suspect this is the reason behind the buildup of sewage in your home.
causes of sewer overflow
Sewage entering your home can be the result of several factors. Whether it’s a small leak or an ankle-deep flood, sewer overflows can cause costly damage to your property. some common reasons include:
what does sewer overflow coverage include?
Sewer overflow insurance typically covers damage to the sewer line that runs from your home to the main city network. It also covers expenses for removing stagnant sewage of your home and repair the damage caused by him, up to the limits of coverage. Please note that sewer backup insurance does not cover a faulty or damaged plumbing system in your home; this is sometimes included in standard homeowners coverage, but can vary by provider.
Sewer overflow insurance may not cover damage that occurs gradually over time due to lack of maintenance. Some providers may also not cover standing sewage on your property if it was the fault of your municipality and not your own sewer system. Be sure to read the fine print before purchasing sewer overflow coverage so you are clear about the circumstances to which it applies.
Sewer backup coverage is also distinctly different from flood insurance, which is a separate form of insurance and is not included in a standard homeowners insurance policy. sewer overflow flooding as a cause of loss is directly related to the septic system and would not count against your flood insurance. Flood damage unrelated to your sewer lines or septic system is not covered by your sewer backup insurance.