Is Sewage Backup Covered by Insurance? Understanding Your Coverage Options

6/6/2023 (Permalink)

Sewage backups can cause significant damage to a home, and many homeowners may be left wondering whether this type of damage is covered by insurance. The answer, unfortunately, is not always straightforward. In this blog, we'll explore whether sewage backup is covered by insurance and what steps homeowners can take to protect themselves.

Sewage Backup and Homeowners Insurance

Sewage backup is not typically covered by standard homeowners insurance policies. However, many insurance companies offer optional endorsements or riders that can provide coverage for sewage backups. These endorsements may cover damage to personal property, as well as the cost of cleaning up and repairing the damage caused by the backup.

It's important to note that these endorsements can vary in terms of the amount of coverage they provide and the cost of the endorsement. Homeowners should review their policy carefully and speak with their insurance agent to determine whether they have this coverage and what it entails.

Causes of Sewage Backup

Sewage backups can be caused by a number of factors, including clogged pipes, tree roots, heavy rain, and aging sewage systems. In some cases, backups can be prevented with regular maintenance, such as cleaning out drains and pipes, and avoiding flushing non-degradable items down the toilet.

Steps to Take After a Sewage Backup

If you experience a sewage backup in your home, it's important to take immediate action to minimize damage and prevent health hazards. Here are some steps to take:

• Turn off the water supply to the affected area.
• Avoid contact with the sewage and wear protective gear, such as gloves and boots.
• Ventilate the affected area by opening windows and using fans.
• Remove any standing water and debris.
• Clean and disinfect all affected surfaces and items, such as carpets, furniture, and walls.
• Contact a professional restoration company for assistance with cleanup and repairs.

Sewage backups can be a messy and potentially hazardous problem for homeowners. While they may not be covered by standard homeowners insurance policies, optional endorsements or riders may provide coverage. Homeowners should review their policy carefully and speak with their insurance agent to determine whether they have this coverage and what it entails. If you experience a sewage backup, it's important to take immediate action to minimize damage.