The thought of a drain or sewer backup in your house is miserable, but adding a denied claim due to a lack of coverage adds frustration to this already unpleasant experience. With claims increasing at a rate of 3% a year due to sewer and drain backups, now is an important time to review your policy for the appropriate insurance coverage.
Sewer backup is when water comes up through your pipes from the sewer or drain system into your home. Not only does it cause property damage, but the resulting cleanup cost can also be expensive. Standard home insurance policies do not cover damage for sewer and drain backup or the failure of sump pumps or similar equipment. To protect against losses from backups and/or overflows, you must add specific coverage to your policy. Homes with basements are at a higher risk of experiencing this type of claim, but no home is totally safe from this potentially costly exposure.
