When a sewer backup occurs inside a home, it creates a very filthy and disgusting situation. When there is excessive snow melting or higher than average rainfall in a certain area, this can make the drainage system overloaded, and it can cause a sewer backup. The pipes can't handle the extra volume and it flows back through the pipes and into the house. The damages that can be caused by sewage water in the home is a health risk, and obviously can damage your home quite severely. Cleanup has to be begun immediately, and the price for doing it is exceedingly high. 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. Often it's available as a rider at an additional cost. There are those who live in areas that have so many incidents of sewer backup due to flooding that insurance will only cover a very limited amount of damages. 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. There are also valuables that many people store in the basement, and these replacement costs can add up significantly.
Sewer backup insurance will protect a homeowner from the cleanup costs and damages associated when sewer waste flows into a home. When the policy you hold deals with losses using a replacement cost calculation, damaged property will be covered as well. There are some insurance policies that use a coverage system based on cash values. Damaged items will be replaced not on the full cost, but on their depreciated value.
Cities will very rarely claim responsibility for sewer backups, it's up to the homeowner. When your regular homeowners insurance fails to specifically mention sewer backup, you must purchase additional coverage in the form of an insurance rider. The cost varies with your home's risk for a backup. Insurance riders typically limit the damage covered and also have separate deductions for damages. Depending on the coverage and the insurance company, limits will vary.
Most homeowners probably don't realize that they are responsible for the maintenance and repair of their main sewer line - the pipeline that runs between their house and the municipality's sewer main, usually located underneath the street. The main sewer line is owned and maintained by the property owner, including any part of the line that extends into the street or public right of way.
Over time, these main sewer lines can easily deteriorate, crack, collapse or become obstructed. You may not have a clue that this kind of damage is occurring. When the line is damaged, a sudden rainfall could make the problem quite noticeable indeed.
Again, most homeowner and business insurance policies do not cover sewer backup unless specific sewer backup coverage is added to the policy. 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. Often it's available as a rider at an additional cost. There are those who live in areas that have so many incidents of sewer backup due to flooding that insurance will only cover a very limited amount of damages. 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. There are also valuables that many people store in the basement, and these replacement costs can add up significantly.
Sewer backup insurance will protect a homeowner from the cleanup costs and damages associated when sewer waste flows into a home. When the policy you hold deals with losses using a replacement cost calculation, damaged property will be covered as well. There are some insurance policies that use a coverage system based on cash values. Damaged items will be replaced not on the full cost, but on their depreciated value.
Cities will very rarely claim responsibility for sewer backups, it's up to the homeowner. When your regular homeowners insurance fails to specifically mention sewer backup, you must purchase additional coverage in the form of an insurance rider. The cost varies with your home's risk for a backup. Insurance riders typically limit the damage covered and also have separate deductions for damages. Depending on the coverage and the insurance company, limits will vary.
Most homeowners probably don't realize that they are responsible for the maintenance and repair of their main sewer line - the pipeline that runs between their house and the municipality's sewer main, usually located underneath the street. The main sewer line is owned and maintained by the property owner, including any part of the line that extends into the street or public right of way.
Over time, these main sewer lines can easily deteriorate, crack, collapse or become obstructed. You may not have a clue that this kind of damage is occurring. When the line is damaged, a sudden rainfall could make the problem quite noticeable indeed.
Again, most homeowner and business insurance policies do not cover sewer backup unless specific sewer backup coverage is added to the policy. Take the time to make sure you are protected.
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