Water Sewer Backup Insurance

Sewer back up falls into the latter category.

Water sewer backup insurance. From past several years the insurance industry is responding expertly towards the extreme weather including a coverage of your home from sewer backup and drain backups. Although no one wants to deal with a water backup and the subsequent cleanup if it happens it s important to take the necessary steps to restore your home to its former glory. Water and sewer backup coverage is different from flood insurance and neither are automatically part of a homeowner s policy. For more information or to get a home insurance quote contact square one at 1 855 331 6933.

Sewer backup is an extension to your regular home tenant or condo insurance policy which will pay damages to your home caused by well water and sewer system backing up. How much your sewer backup insurance will actually cover depends on your home insurance policy as a whole and what state you live in since policy limits can vary by state. You can receive coverage for sewer back up in your home but you may have to add an endorsement to your policy and pay an extra premium for the coverage. Some types of water damage are covered under a standard homeowner s insurance policy while others require that you add an optional coverage in order to receive benefits.

Sewer backup coverage can be added to a policy for as little as 40 to 50 a year according to the insurance information institute. This can be caused by an overflow of rivers or lakes melting. Water backup occurs when water or water borne materials back up into your home. This can come through sewers drains a sump pump or related equipment.

Contact your insurance company to find out the specific cost but considering the aging sewer systems in many areas and the increased incidence of severe weather and storms causing claims it s worth finding out about. This will help protect your dwelling from future water damage losses. A sewer or drain. Important things to consider in regards to sewer backups we say this all the time when it comes to deciding how much to invest in water damage prevention methods and it applies here as well.

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 s important to understand the risks posed on your property to an emergency event like a sewage backup as well as the financial implications in the case said event happens. Plus for homeowner and rented dwelling policies we now offer 1 000 towards the installation of a sewer back up prevention device after a covered sewer back up loss. This coverage replaces certain parts of the original policy and should be treated as such.

To learn more about the enhanced water damage package contact your intact insurance broker. Water and sewer backup vs. Flooding occurs when water enters a home through windows doors window wells or cracks in the foundation. A sump sump pump or related equipment even if the overflow or discharge occurred because of mechanical issues.