The standard homeowners policy does not cover sewer and water backup.  Sewer and water backup is a reversal in the normal flow path of the fluid due to an obstruction.  Basically, the water is forced to go backward due to an obstruction blocking its path.  The flow can be restricted due to several reasons including a collapsed drain or blockage in a pipe such as tree roots.

The cost of a water/sewer backup endorsement to your homeowners policy is very inexpensive, ranging on average between $25.00 and $75.00 annually depending on your coverage limits and deductible.  Coverage limits range from as little as $3,500.00 up to, in some cases, $25,000.00.

Below are 5 reasons to add this coverage to your homeowners policy.

  1. Water/sewer backup can happen to anyone.  In this instance, backup is caused by something obstructing the pipes.  Unlike groundwater issues the potential of backup damage is not dependent on your elevation.
  1. In most cases, backup coverage is not included in your homeowners policy and requires a separate endorsement.  It’s best to call your agent to learn if you have this coverage and if so, your levels.
  1. The likelihood of a backup increases with the age of the pipes.
  1. The coverage cost is minimal when one considers the cost of repairing the damage to your home.  If you have a finished basement the associated costs of repair can be significant.
  1. This coverage qualifies you for loss of use in the event the home is uninhabitable.  It is very unlikely that your home would be uninhabitable due to a backup issue.  However, if your furnace were disabled in the winter it could be the case.

Groundwater flooding issues are not included in water/sewer backup coverage.  Groundwater damage is covered under flood insurance and requires a separate policy.

Contact your F. A. Peabody agent for a quote or with any questions regarding your coverage.