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Fire & Water - Cleanup & Restoration

How To Make Sure Your Insurance Covers Sewage Backup

1/14/2021 (Permalink)

Sewage backup in a bathroom Sewage cleanup needed in Edgewood, MA

How To Make Sure Your Insurance Covers Sewage Backup

When you think of sewage or septic problems, you likely think of an overflowing toilet. Yet exterior flooding in Edgewood, MA, could lead to sewer backup, as well. In fact, there are several different causes of sewage floods in your home, such as:

  • A blockage occurring in a city sanitary main
  • Rainwater entering the basement through foundation cracks
  • Tree roots preventing the flow of water in the pipes

If any of these problems occur, dirty water from the sewer can then enter your basement and cause extensive damage. While this type of loss is not covered under typical home insurance policies, you can easily obtain an endorsement.

How Do You Get Sewage Backup Insurance?
Most insurance providers offer a rider that lets you add sewage backup coverage to your current policy. The cost is typically an extra $40 to $160 each year. The exact cost depends on your deductible and the amount of coverage you request.

What Do You Do After a Sewage Backup?
While you hope you will never have to use your sewer backup insurance, you may not be this fortunate. If sewage does enter your property, you should file a claim immediately. Make a list of any damaged items and take before and after photos of the harmed areas.
Sewage water is often full of bacteria and can encourage the growth of mold. The fluid may also put you at risk for electrical shock. You should thus rely on sewage cleanup specialists to restore your home. They will use wet-vacuuming and other techniques to eliminate the standing water. They will also steam-clean drapes, disinfect plumbing fixtures, mop floors, and repair walls. Your insurance money should cover the remediation, so save your receipts from the restoration company.
Without proper insurance, you may have to pay for expensive home repairs after a sewer backup. Talk to your adjuster to get a rider added to your existing coverage.

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