In the event of a water backup, are you covered by your homeowners insurance? Standard insurance policies may not account for damages caused by overflow from obstructed sewer lines and drain pipes. Adding sewer & drain backup coverage to your policy can protect your home from expensive water damage and spare you an unpleasant cleanup experience.  

Determining Coverage

Most home insurance companies offer water backup coverage as a separate endorsement to standard policies. Your coverage limit may depend on several factors, such as the value and age of your home, or the condition of your plumbing system. An insurance agent can calculate an approximate limit that fits your unique needs.

Common Causes of Backups

There is nothing more frustrating than finding standing water in your home, soaking into the floors, walls, and furniture. Common reasons for water backups may include:

  • Clogged pipes or equipment: Drain pipes and sump pumps can become clogged by all types of debris, like paper products, hair clumps, and disposed food. 
  • Damaged lines: Most sewer lines are made from clay, cast iron, or PVC piping. These materials can deteriorate with age and may need to be replaced.
  • Tree roots: As trees grow, their roots can come into contact with sewer pipes, causing cracks or blockages.

The resulting damages from household leaks or floods can be costly and time-consuming to repair. If you are concerned about water backup occurring in your home, consult an insurance agent to determine if backup coverage is right for you. 

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