Karen woke up refreshed and ready to start her work week. On her way to the kitchen she passed the bathroom. Much to her utter dismay there was a steady stream of murky water flowing out of her toilet.
Are you insured for sewer-related damages that may occur in your house? Water can back-up and flow into your house from the municipal sewer system, private septic system or through sump pump failure. Check with your Insurance Broker to see whether your homeowners’ insurance covers the costs of damage from water and sewage that enters your home by back-up, accidental escape or overflow from a sewer, sump or septic tank.
As a general precaution, installing a backflow prevention valve can help prevent backups. This valve can help prevent sewage from backing up into your basement by automatically closing if sewage backs up from the main sewer. In addition, if you happen to live in a low-lying area, you may wish to invest in sewer backup insurance. When considering purchasing sewer back-up insurance, think of the following:
- What is your neighborhood density relative to the size of your sewer line?
- What about the frequency of severe weather systems?
- How often have sewer backups been reported in your area
If you ever have questions regarding your home insurance policy or coverage in general, contact Rizk Insurance today and we’ll help answer any inquiries you may have.