Sewer Backup Coverage Information
Sewer backup coverage adds an extra layer of financial protection to your homeowners insurance policy. Most standard homeowners policies do not include damage caused by a sewer backup.
If you would like to add this valuable coverage, please contact St. Andrews Insurance Agency in Panama City, Florida.
What Is Sewer Backup Coverage?
Standing sewage in your basement, toilets, bathtub or anywhere in your home can cause extensive damage. In many cases, you’ll require professional help to clean up the mess and fix any damage.
Depending on the type of damage in your home, sewer backup coverage may help pay for the cost of repairing your house and your sewer line, up to the place where it meets the city’s sewer line. It may also cover the costs of getting rid of water and sewage.
Sewer backup coverage is also known as drain line backup coverage and water backup insurance.
What Causes Sewer Backup?
Several situations could cause sewer backups in your home, and in many cases, it’s entirely out of your control. Some common causes are listed below.
Clogged pipes: When drain pipes become clogged and the problem isn’t handled right away, you may end up with sewer backup issues. Lack of maintenance, putting too much food down the garbage disposal and flushing nondegradable items may lead to clogged pipes.
Broken line: When the line that runs from your home to the main sewage drain line is broken, it can cause raw sewage to flow into your home. Depending on the cause of the backup, you may need help from your local municipality to remedy the situation permanently.
Does Sewer Backup Insurance Cover Flooding?
Sewer backup insurance may cover flooding, depending on the cause of the flood. Septic system backups resulting in basement flooding and any damage caused by the water lines in your home may be covered by sewer backup insurance.
If you live in an area prone to flooding or you have concerns about damage due to flooding that isn’t related to your home’s waste removal system or water delivery systems, you may need a separate flood policy.
How Much Does Sewer Backup Coverage Cost?
Adding sewer backup coverage to your current homeowners insurance policy is generally inexpensive, especially if you compare it to the costs associated with handling a sewer backup incident.
The cost of a sewer backup policy depends on several factors, including your home’s location, your claims history, your coverage limits and the type of coverage you want.
Get the Sewer Backup Coverage You Need Today
Sewer backup coverage can provide critical financial protection by helping you cover the costs of cleaning and repairing your home if your sewer system malfunctions. To get a quote or to learn more about how sewer backup coverage may help extend your homeowners policy, contact St. Andrews Insurance Agency at 850-785-2383.