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Fire & Water - Cleanup & Restoration

Will Insurance Cover My Sewage Backup?

9/9/2019 (Permalink)

Someone's hand holding a shovel and with the other hand holding roots coming out a sewer line Tree roots growing in the sewer line is a common reason for sewer backup problems

Different Causes of Sewage Backup In A Home

A sewer backup in Hanover Township, PA, is more than just a smelly inconvenience. It can also be quite dangerous. That’s because sewage can contain disease-causing bacteria or viruses.
There are several different causes of sewage backup in the home. They include:

  1. A blockage in the city sanitary main
  2. A water leak in the basement
  3. Tree roots blocking the sewer line

Sewage Backups and Insurance

Whatever the cause of the sewage backup, the damage can be expensive to fix. However, your home insurance policy should pay for most of the repairs. While a basic insurance policy does not typically cover sewage backup, you can usually add it to your policy for an additional $40 to $160 a year.
Neither regular homeowners’ insurance nor sewage backup policies usually include general flood coverage. However, you can purchase flood insurance from a private insurer or the National Flood Insurance Program. Otherwise, your insurance may only cover some of the damage from a flood-related sewer backup.
If you need to file an insurance claim, make sure to take photos of the affected area. Attach some “before” pictures as well so the insurer can see the extent of the damage. You should also make a list of any items that were destroyed.

How To Clean Sewage Backup

If you experience a sewage backup or similar disaster such as a toilet overflow, you should hire an emergency restoration services company to clean up your home. Restoration experts will disinfect the walls and plumbing fixtures. They will also mop up the floors and dry off wet drapes or carpets. They may even be able to eliminate that nasty odor. Once you pay these professional cleaners, make sure to save your receipt so you can show it to your insurance company.
No one wants a sewer backup to occur in their home. If you do experience this disaster, however, proper home insurance and cleaning professionals can make the ordeal less painful.

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