Does Homeowners Insurance Cover Sewage Backup?

A typical homeowners policy covers sudden and accidental water damage from inside your home, like a burst pipe. Sewage backup is often treated differently because it comes from outside your home, through the sewer line. Many standard policies exclude it unless you add specific coverage.

Check your policy declarations page for the words "sewage backup" or "water backup." If you do not see it, call your insurance company and ask about adding an endorsement. This is a straightforward question, and the answer depends on your specific policy.

Act quickly to protect your health and your home. Sewage contains bacteria and pathogens, so avoid direct contact. Keep children and pets away from the affected area. Turn off the electricity if water is near outlets, but only if it is safe to do so.

Document the damage with photos and notes before any cleanup starts. Contact your insurance company to report the loss, even if you are unsure about coverage. Then call local water damage pros to begin sewage backup cleanup and sanitation. The sooner the area is dried and disinfected, the less chance of secondary damage.

Prevention is cheaper than cleanup. A sewer backup valve can stop water from flowing back into your home. Have a plumber install it if you do not have one. Also, avoid pouring grease or oil down drains, and never flush wipes or paper towels.

In humid climates, heavy summer storms can strain sewer systems. Keep your sump pump and ejector pump in good working order if you have them. Regular maintenance and knowing where your shutoff valve is can reduce your risk.