Recently, an emergency/disaster preparedness guide was included in our local newspaper. This guide was prepared in partnership with Shore Publishing, East Shore Health District and CT Department of Emergency Management and Homeland Security.  One particular topic included in this guide that caught our attention was about sewer backup. This article had some very helpful information that we wanted to share, specific to homeowners. However, we also wanted to include some information about homeowner’s insurance coverage and what you should know about this type of occurrence.

Will my homeowner’s insurance cover any damage to my home or property from a sewer backup?

Sewer backups or the inability of sump pumps to handle runoff water from major downpours are not covered under a typical homeowner’s insurance policy, nor are they covered by flood insurance. This type of coverage must be purchased as a separate product or as an endorsement to a homeowner’s policy and usually come with a limitation to the amount of coverage provided. In addition, some companies will not provide this type of additional coverage under certain circumstances.

It is important to speak with your insurance professional about the details of this policy provision. It is also important to learn about Loss of Use coverage in the event your home is uninhabitable from severe damage. Loss of Use coverage provides reimbursement for lodging, food and other living expenses and is often included in a standard homeowners policy.

Feel free to contact us with any questions you may have and please take a moment to read the article provided to learn more about sewer backup. Attached to this article we’ve also included some preventative information for your reference. Flooding and Sewage Backup

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