Water Sewer Backup Coverage

Most people don t know a lot about sewer backup coverage if they ve never had to make a claim.

Water sewer backup coverage. If there is a loss which causes physical damage to something insured under section i personal property because of water backing up or overflowing from a sewer drain or sump the loss is covered even if it would otherwise be excluded. It is a very unpleasant type of water damage because it often involves dirty water from the sewers that will not only destroy your personal property but can also impact your health because it s so unsanitary. We recommend that all property owners have this coverage even if you have an unfinished basement or lower level. Sewers can backup during periods of heavy rainfall when the city sewer system can simply not handle excess water causing it to overflow into your home.

Sewer backup coverage can also help you recover some of the property lost due to sump pump damage. 2 the sewer backup endorsement covers the cost of repairing or replacing your building or personal property damaged by sewer water. So what is sewer backup. Homeowners insurance is designed to cover a sudden and accidental loss but there are exclusions.

One of the most common exclusions is water backing up from a sewer line and overflowing into the home. Sewer backups can cause thousands of dollars in damage. This water emerges from your plumbing and can wreak havoc on your property especially on lower floors or basements. Sewer backup is an extension to your regular home tenant or condo insurance policy which will pay for damages to your home done by well the sewer system backing up.

The iso endorsement covers physical loss to covered property if the loss is caused by a discharge of water or waterborne material from a sewer drain or sump located on the premises listed in the endorsement. This coverage replaces certain parts of the original policy and should be treated as such. Your home insurance policy includes water overflow under the water damage clause but does not cover water backup. What does a typical sewer line policy cover.

You can generally purchase water backup coverage as an add on coverage when you first purchase your policy in increments of 5 000 of protection. The civil engineering research foundation indicates that the rate of sewer backup incidents is increasing at a rate of 3 percent a year. There are policies that provide coverage for water backing up through sewers or drains as long as it originates on premise. Grange insurance provides sewer line coverage for 50 to 250 per year depending on the limits you choose and the risk exposure of your property.

The good news is that water and sewer backup coverage can be purchased under your homeowner s or commercial property policy and it s very affordable. However if something goes wrong sewer backup coverage is available as an endorsement to your home insurance policy. Some insurance companies offer water backup coverage homeowners insurance riders for as little as 50 per year for around 10 000 in coverage. Water that backs up from a sewer or drain can create a clean up nightmare and also damage appliances like electrical circuitry furnaces and water heaters as well as personal belongings stored in your lower level.

Water backup coverage also called sewer or sump pump backup coverage is one of the more popular and useful homeowners insurance endorsements that you can add to your policy.