The stink’s on you without sewer back-up coverage
Always get the sewer backup coverage and learn how to protect your home from water damage.
Even if you don’t live anywhere near a pond, lake or the ocean, you can get water backing up into your house — from a sewer. This type of damage is typically excluded from a standard homeowners policy; it requires a separate endorsement.
It’s not a pretty picture to have a toilet backup. Not pretty at all, especially if the backup spills past the bathroom, down the hallway for several feet and seeps over your hardwood floors. What’s even uglier is finding out you neglected to buy sewer backup coverage.
There are two types of insurance for ground water damage, and they require either separate coverage or an endorsement to your policy. One is flood insurance, and the other is water backup or overflow from sump pumps. There are probably not a lot of sump pumps in Florida considering our lack of basements, but water does back up through sewers and drains, particularly when there are aging sewer pipes clogged with decades of tree roots.
Always get the sewer backup coverage – and learn how to protect your home from water damage.