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Overworked or aging sewer systems can cause raw sewage to back up into the drains entering your home, which can damage floors, cabinets, walls and electrical systems. While a backed up sewer can ruin your appetite, with the proper insurance protection, it doesn’t have to ruin your day. Protection against this onerous – and odorous – situation requires additional coverage. It’s an option worth considering at a cost that makes it an easy decision.
Sewer backups occur most often when sump pumps can’t handle the runoff from heavy downpours. A sump is a pit or reservoir that serves as a drain for liquids and there is a limit to how much they can hold. When it reaches capacity, the water has to go somewhere – and that “somewhere” can be your residence. Some homeowner insurance policies don’t cover this occurrence. You may also be surprised to find out that your flood insurance policy (if you have one), does not respond to damage resulting from water backing up in your home unless the backup event impacts at least you and one other neighbor. Frontline Insurance offers a valuable optional Water Backup endorsement that can help fill this gap, and is reasonably priced.
Incidents of backed up sewers are increasing, primarily because there are miles of underground sewer lines that are decades old. To complicate the issue is new construction, making old pipes work much harder, causing more rapid deterioration. Additionally, in some areas, storm water and sewage pipeline are one and the same, and that means after a heavy rainstorm, a single pipe can become seriously overloaded. Another hazard contributing to damaged sewer lines are tree roots fingering their way into small cracks in pipes and growing ever larger.
Did you know you are responsible for the maintenance and repair of the sewer line located between the street and your home? If not, you have plenty of company because most people do not know this. You own the sewer lateral and must maintain it, including any part that extends into the street or public right of way. A cracked or deteriorated lateral, or one filled with tree roots, can allow groundwater to seep into the system, which could mean big trouble downstream.
Selecting water backup coverage provides up to $5,000 in water damage coverage. This is the “ounce of prevention” that brings a “pound of cure”, as the well-known proverb suggests.
There are several steps to help minimize the likelihood of a sewage incident inside your home.
Frontline Insurance wants to help you keep everything flowing smoothly in your home. Contact your insurance agent to request a price quote on affordable, valuable water backup protection.