It’s every homeowner’s nightmare: you walk into your basement after a heavy rainstorm and find it flooded with water that’s backed up through the drains. The damage to your flooring, furniture, and belongings is overwhelming—and worse, your standard homeowners insurance doesn’t cover it.
This is where water backup of sewers and drains coverage steps in. It’s an add-on to your homeowners insurance that protects you from one of the most common and costly types of water damage.
What Does Water Backup Coverage Do?
Water backup coverage is specifically designed to cover damage caused by water backing up through sewers, drains, or sump pumps.
For example:
It’s important to note that this is different from flood insurance, which covers rising waters from outside your home. Water backup coverage deals with internal issues, like a malfunctioning sump pump or a clogged sewer line.
Why Is It So Important?
Water backup damage is more common than you might think. Municipal sewer systems can become overwhelmed during heavy rains, and aging plumbing systems are prone to clogs and failures.
Without water backup coverage, you’d be responsible for covering all the costs out of pocket—and those costs can add up quickly. The average water backup claim runs into thousands of dollars, with cleanup alone costing hundreds.
Can You Prevent Water Backup Damage?
While having coverage is essential, taking preventive steps can minimize your risk. Here are a few tips:
Even with these precautions, though, no home is completely immune to water backup issues. That’s why having the right coverage is so important.
Contact Us to Protect Your Home
Don’t let water backup damage leave you high and dry—take action today to protect your home and belongings.
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