What is backup sewer and drain coverage (and why do you probably want it)?
We’ve got the answer!
Imagine…
You wake up at 3am to the sound of water splashing in your finished basement. There’s a few inches of brown, murky water sloshing around your belongings, dangerously close to reaching your water heater and furnace. If your policy does not cover sewer and drain backup damage, you’d be responsible for all cleanup and replacement costs that your broken sump pump caused.
It’s important to know that sewer and drain backup coverage is not included in most standard homeowners policies, nor is it covered by standard flood insurance.
You may be thinking, “I don’t need sewer and drain backup coverage because I’ve never had issues with our drains before.” – but these circumstances can arise anytime, and at no fault of the homeowner.
Here are four scenarios where sewer and drain backup coverage would be essential.
Sump Pump Failure
To protect your possessions and cover costs associated with repairs to appliances, flooring or drywall, you will need to have sewer and drain backup coverage.
City Sewer Pipe Failure
Unfortunately, you have no control over the condition or maintenance of your city’s sewer system. Failures can happen due to age or corrosion and may result in a basement full of water.
Tree Roots
Mature tree root growth can damage your sewer system.
Excessive Rain
Significant rain fall can back up drains. When street water drains are full, water searches for the lowest point to escape – like your basement!