Why buy a Sewage Backup/Sump Pump Overflow Approval?

Do you have sewer backup coverage on your homeowner’s policy? Sewer Back-Up is an often overlooked coverage that a homeowner doesn’t consider…until it’s too late. Sewers can deteriorate for a variety of reasons and when they do, it’s a mess.

A typical sewer backup includes not only the water damage left behind, but also cleaning up the offending water. Cleaning up “dirty” water and/or raw sewage is not for the faint hearted. The homeowner can be left with thousands of dollars worth of damage to carpet, drywall, trim, and all low-to-the-ground contents. The amount of water and/or sewage that results from a backup varies greatly depending on the cause of the backup and the system from which the backup originates.

A house with a sealed septic system, a system used only for that residence, the backup would be limited to that house’s water production. This includes dishwasher, washing machine, shower, toilets, etc. of that house only. Usually the amount of water is therefore limited. If a home is connected to the sewer system, the amount of water can vary greatly depending on the type of system, how many homes are connected to the system and where the home is located in the system.

Often a sewer backup is combined with a pump overflow to create coverage for both events. A sump overflow usually occurs during a heavy downpour when the pump cannot keep up with the water being fed to it or in the event of a power failure. Most sump pumps are electric, so if a storm hits, you’ll be faced with both the threat of heavy rain and a loss of power to the pump. An unfortunate sequence of events. Generators are available to hook up to your sump pump to counter this threat. The amount of water that escapes to the sump depends on the amount of water that flows into it. At least with a sump pump overflow, you’re usually dealing with “clean” water.

A sewage backup/sump pump overflow approval for your homeowner’s policy provides protection for the damage to your property, as well as the cost of cleanup. Some notes only cover the building, others also cover personal property. You will often see different limits available for this type of approval. Everyone’s needs are different, so be sure to check what’s right for your home and the look you have.