Are Sewer Backups Covered by Home Insurance?

Most basic homeowners insurance policies do not cover damage from sewer or drain backups. This exclusion is common because these events are considered a preventable maintenance issue. The water involved is contaminated, posing health risks beyond typical water damage. You should review your policy's language to see if this exclusion applies to your coverage.

If your policy excludes sewer backups, any related damage to floors, drywall, or belongings would not be a covered loss. Some policies might cover resulting damage if the backup was caused by a covered peril, like a tree root breaking a pipe. However, the backup water itself is typically excluded. This makes checking your policy details essential after any water incident.

Safety is your first priority after a sewage backup. Avoid contact with the contaminated water, as it contains harmful bacteria and viruses. Turn off electricity to affected areas if it is safe to do so. Keep children and pets away from the area until it is professionally cleaned and sanitized.

You should document the damage thoroughly for your insurance claim. Take photos and videos before any cleanup begins. Make a list of damaged items, including their age and approximate value. Then, contact local water damage pros who specialize in sewage backup cleanup and sanitation to handle the hazardous water.

Start the claims process by calling your insurance company promptly. Provide your policy number and a clear description of the incident. An adjuster will be assigned to inspect the damage and assess the cause. Be prepared to show your documentation and any maintenance records for your plumbing system.

The adjuster will determine if the cause is a covered peril under your policy. If you have the endorsement, they will explain the applicable limits. You are responsible for paying your deductible before coverage applies. Keep all receipts for temporary repairs or accommodations, as some policies may cover additional living expenses.