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Homeowner’s Insurance And Sewer Backups

MoneyTips

Does your homeowner’s insurance cover damage from a sewer backup? Most policies do not, and while you probably wouldn’t think about this hazard, it happens more frequently than people think. Infrastructures are aging across the nation, and older homes may not have sufficient plumbing protections to prevent a system-wide backup from entering your home.

An even more likely culprit is the sewer pipe on your property, prior to connecting to the city system. As a homeowner, you are responsible for maintaining the portion of the sewer pipeline that runs through your property.

Tree and shrub roots can grow and slowly displace or even break pipelines, with no evidence to you (except perhaps a suspiciously greener area of your lawn). Eventually a clog will form as the roots or dirt allowed into a cracked pipe obstruc…

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