3 Things To Know About Sewer-Backup Coverage With Homeowner's Insurance

After struggling for months to know what to do about our family finances, I realized that there were some pretty big loopholes in our plan. I knew that I needed to insure our family so that I could protect our money in the event of an accident, but it was really difficult to find the perfect plan. I started talking with an insurance broker who could help, and it was amazing to hear the solid advice that he had for us. This blog is all about insuring your family by finding the right insurance policies and keeping your costs as low as possible.

3 Things To Know About Sewer-Backup Coverage With Homeowner's Insurance

21 February 2020
 Categories: Insurance, Blog

Did you know that certain things can cause damage to your home that probably are not covered through your homeowner's insurance policy? One of these is sewer backups. If your sewer line backs up, it can cause sewage to end up back inside your home. If you want coverage for this potential problem, you would need to add sewer-backup coverage to your homeowner's insurance policy.

How Sewage Backups Occur

A sewage backup is one of the worst problems you can experience in your home. It occurs when there is a blockage in the main sewer pipe. This blockage prevents waste from entering the septic system, and because there is no place for it to go, it ends up back inside your home. You can experience this problem for a number of reasons, and one reason is when there is blockage in a main pipe from tree roots. Tree roots grow wherever they want to grow, and in some cases, they grow straight into a home's main sewer pipe. Tree roots in a pipe could lead to complete blockage of the pipe.

Sewer blockage also occurs from a full septic tank or an issue with the septic tank. If your tank is full, or if a part with the system is malfunctioning, it can create a major problem. A full tank leaves nowhere for the waste to go, and so it ends up in your home.  

The Problems Caused by a Sewage Backup

If this issue ever occurs in your home, you will experience several issues. One, it will be messy, stinky, and unsanitary. Sewage stinks and is contaminated, and it is not something you want in your home. Two, it can cost a lot of money to repair the problem and clean up the mess. If you have to pay for these expenses out of your pocket, you might go broke.

Sewer-Backup Coverage Is a Common Endorsement

Instead of taking the risk that you would never experience this problem, you can purchase an endorsement on your homeowner's insurance policy that would cover the costs for repairs and cleanup. To do this, ask your homeowner's insurance agent about adding a sewer-backup coverage endorsement to your policy. The costs for this rider are not excessive, yet it provides the coverage you need if you ever experience this problem.

You can learn more about sewer-backup coverage or other riders by contacting a homeowner's insurance agent of your choice, such as the Ronald H. Krupa Insurance Agency.