Water and Sewer Back up Coverage 101

As fall approaches northeast Wisconsin, everyone needs to be aware of the risks and dangers that present themselves during our most colorful season.  Since September is a notoriously wet month, one of the most frequent insurance claims that we experience are the back of up sewer or drains.  These events may not happen often; however, almost every homeowner has experienced this mini disaster during their ownership experience.

Frequently, heavy rains may cause either drains to back up or cause a power outage – which may cause the sump pump to stop working.  That’s right – they stop working right when we rely on them the most!

Do you want to have coverage for this situation?! Be sure to check your homeowners insurance polciy for water and sewer back up coverage!

Did you know a standard homeowner’s policy specifically excludes coverage for this event?!  That leaves you responsible for any cleanup costs in addition to any damage caused by the water.  Damage is usually quite costly and many times, water or sewage usually destroys most things it comes in contact with. If you use your basement for storage or have a partially finished basement, it is imperative that you have this coverage.

Coverage limits can be purchased incrementally and usually starts at $2500 – which may not even be enough to cover the cost of removing the water or sewage from your home (but is better than not having any coverage!).  A separate deductible generally applies as well.  The additional cost varies depending on your risk factors; however, it is generally quite reasonable and is well worth the peace of mind!

As always, talk to your agent about your risk factors to determine the amount of coverage that is appropriate for you.  Also, feel free to contact us with any questions you may have.  Always read policy forms for exact coverage.