Understanding Water and Sewer Backup Coverage 

Water and sewer backup coverage is a crucial but often overlooked component of home protection. While many homeowners focus on fire, theft, or storm damage, water and sewer backups can cause extensive and costly damage that standard policies may not cover. At Home Loan Insurance we’re here to help you understand this nuanced topic and your coverage options.

What is Water and Sewer Backup Coverage?

Water and sewer backup coverage is an optional insurance add-on that financially protects your home and belongings from damage caused by the backup of water or sewage into your home. This can happen due to clogged sewer lines, heavy rainfall overwhelming drainage systems or sump pump failures. The resulting damage can affect basements, flooring, walls and personal property, often requiring expensive cleanup and repairs.

Does Home Insurance Usually Include Water and Sewer Backup Coverage?

Most standard homeowners insurance policies do not include water and sewer backup coverage. While they may cover sudden and accidental water damage, they typically exclude damage from backups unless you’ve added a specific endorsement. This means that without this additional coverage, you could be left paying out of pocket for repairs and restoration.

How Can I Make Sure I Have Coverage?

To ensure you’re financially protected, review your current homeowners insurance policy or speak with your insurance agent. Ask specifically whether water and sewer backup is included and, if not, how much it would cost to add it. Additionally, consider installing a sump pump with a battery backup and maintaining your plumbing system to reduce risk.

We’re Here to Help

If you’re a homeowner in Montrose, CO, contact Home Loan Insurance today to discuss water and sewer backup coverage. Our dedicated and knowledgeable team can help make sure your insurance can address such issues and limit your potential losses.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.