The consequences of a sewer backup are very unfortunate, and is a dirty and costly job to clean up. Sewer backups can occur when a drainage system simply can't handle unexpected volumes of water from a major rainstorm or a sudden snow melt. The extra water in the pipes starts to back up, and it flows the opposite direction into your home and onto your floor. The damages that can be caused by sewage water in the home is a health risk, and obviously can damage your home quite severely. The costs of the cleanup are quite high, and it has to be done immediately. While there are some steps you can take to prevent sewer backup damage, the only way to financially protect your family and home against sewer backup damage is to buy insurance.
The tub or sink can just fill with the excess water sometimes, but if it goes through the toilet pipe, it will flow over the edge more quickly since it is full of water, and this situation can happen with no warning. Backup results in water damage and exposes you to bacteria from the filthy water.
Those with insurance policies from traditional insurance companies will likely find that their policy has an exclusion for sewer backup damages. Most times, the homeowner can pay extra and have a rider attached to include it. In some areas, the risk of flooding causing sewer back up is so high, that insurers will only add sewer back up coverage in small increments, up to a specified limit. This limit may or may not be sufficient to cover the cleanup, let alone the replacement of damaged goods. Carpeting needs to be replaced after, and many times, new drywall will also need to be put in. And think about the cost to replace all of the belongings kept in your basement.
If a sewer backs up, causing waste water to enter your home, sewer backup insurance is designed to cover the cleanup. When the policy you hold deals with losses using a replacement cost calculation, damaged property will be covered as well. Coverage on some kinds of policies is paid out on the cash value of the items. If that's the case, your policy will pay only the depreciated value of any damaged items.
Most cities accept no responsibility for sewer backups. Unless sewer backup is mentioned specifically in your home insurance policy, a rider must be purchased to be covered in case of damages from this cause. The chance of a sewer backup in your area will be calculated, and after this, the price will be determined accordingly. Insurance riders typically limit the damage covered and also have separate deductions for damages. The insurance company and the policy itself will outline what limits are in place.
Repair and maintenance of the sewer line that runs out of your home and connects to the city's main line in the street is not the city's responsibility, it is the homeowner's, and many do not know this. The homeowner actually owns the sewer line underneath their home that connects to the street, so repairs and maintenance on it is their responsibility.
As the years pass, cracks can form on the lines, they can have obstructions, or they can simply deteriorate and collapse. The fact that the damage is there is not usually visible to the homeowner. If there is a major rainstorm or melt, the issue with the pipes will become obvious quickly.
Keep in mind, the majority of business and home insurance do not automatically include sewer backup, and a rider is necessary to have this protection. Take the time to make sure you are protected.
The tub or sink can just fill with the excess water sometimes, but if it goes through the toilet pipe, it will flow over the edge more quickly since it is full of water, and this situation can happen with no warning. Backup results in water damage and exposes you to bacteria from the filthy water.
Those with insurance policies from traditional insurance companies will likely find that their policy has an exclusion for sewer backup damages. Most times, the homeowner can pay extra and have a rider attached to include it. In some areas, the risk of flooding causing sewer back up is so high, that insurers will only add sewer back up coverage in small increments, up to a specified limit. This limit may or may not be sufficient to cover the cleanup, let alone the replacement of damaged goods. Carpeting needs to be replaced after, and many times, new drywall will also need to be put in. And think about the cost to replace all of the belongings kept in your basement.
If a sewer backs up, causing waste water to enter your home, sewer backup insurance is designed to cover the cleanup. When the policy you hold deals with losses using a replacement cost calculation, damaged property will be covered as well. Coverage on some kinds of policies is paid out on the cash value of the items. If that's the case, your policy will pay only the depreciated value of any damaged items.
Most cities accept no responsibility for sewer backups. Unless sewer backup is mentioned specifically in your home insurance policy, a rider must be purchased to be covered in case of damages from this cause. The chance of a sewer backup in your area will be calculated, and after this, the price will be determined accordingly. Insurance riders typically limit the damage covered and also have separate deductions for damages. The insurance company and the policy itself will outline what limits are in place.
Repair and maintenance of the sewer line that runs out of your home and connects to the city's main line in the street is not the city's responsibility, it is the homeowner's, and many do not know this. The homeowner actually owns the sewer line underneath their home that connects to the street, so repairs and maintenance on it is their responsibility.
As the years pass, cracks can form on the lines, they can have obstructions, or they can simply deteriorate and collapse. The fact that the damage is there is not usually visible to the homeowner. If there is a major rainstorm or melt, the issue with the pipes will become obvious quickly.
Keep in mind, the majority of business and home insurance do not automatically include sewer backup, and a rider is necessary to have this protection. Take the time to make sure you are protected.
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