Does My Home Insurance Cover Sewer Drain Backup in My Finished Basement?

Water and sewer backups can lead to substantial home damage, particularly if you have a finished basement. Standard homeowners insurance typically excludes coverage for such damage.

What Is Sewer Backup Insurance?

Sewer backup insurance, also known as sewage or sewage backup coverage, can offer financial protection in case of damage caused by sewer backups. Typically added as an endorsement to a standard homeowners insurance policy, it may cover damage from standing sewage in various areas of your house, including the bathtub, toilet and basement. Depending on the backup cause, this coverage can help pay for sewer line repairs (up to the city’s sewer line) and sewage removal.

What Causes Sewer Backups in Basements?

The following are common reasons for sewer backups in basements:

• Tree roots—Tree roots can infiltrate sewer lines, causing cracks and blockages. As roots grow, they can wrap around the pipes, leading to clogs and potential backups.
• Aging plumbing systems—As plumbing systems age, they become increasingly vulnerable to backups and other issues. Leaking or burst pipes, as well as faulty plumbing fixtures, can also cause water damage.
• Combined pipelines—If your city combines sewer and storm drainage lines, storms can overwhelm the system, leading to water backup problems in your home.
• Blockages in the sanitary main—Over time, city sewers can become blocked, resulting in water backing up into your home.
• Sump pump failure—If your sump pump malfunctions or stops working, it can lead to significant home damage. Keep in mind that while a water backup endorsement might cover damage from sump pump failure, it may not cover the replacement cost of the pump itself.
• Weather-related issues—Severe weather conditions such as heavy rain, floods, hurricanes and snowstorms can lead to water damage in a home. Water infiltration may occur through roof leaks, foundation cracks or flooding from nearby bodies of water.
• Appliance malfunctions—Water damage can result from faulty components, wear and tear, or inadequate maintenance. Appliances like dishwashers, refrigerators, washing machines and water heaters are common culprits.

Do I Need Sewer Drain Backup Insurance?

If you want to avoid unexpected expenses due to sewer drain backup, consider adding sewer drain backup insurance to your home insurance policy. Contact Taylor-Moore Agency to explore your options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.