Why You Should Have Water Backup Coverage

Homeowners are often surprised to learn that their home policy doesn’t provide carte blanche coverage for anything that could go wrong, including water backup. That’s right — a loss caused by clogged plumbing might not be covered under your home policy. This article provides information on water back up coverage as well as some solutions on how to help prevent water backup events.

What is water backup coverage?

Water backup coverage typically applies when either there are back ups through sewers or drains in the residence, or overflows from a sump pump or related equipment. Overflowing toilets and flooded basements come to mind. These types of scenarios could lead to costly repairs of flooring, walls, furniture, electrical systems, and more. Speak with your independent agent about whether or not water backup coverage is right for you.

How to prevent water backups

Having water backup coverage in place can help in the event of a loss, but how do you help prevent a backed up toilet or a flooded basement in the first place? Here are some helpful tips:

Consider replacing your line with a plastic piping. This will help to prevent tree roots from infiltrating the line.

Ensure that your sump pump has a secondary source of power, such a battery or water-powered backup system.

Consult with a plumber or other sump pump professional to check and maintain the sump pump regularly.

Don’t pour cooking grease, oil, or other foreign materials down your drains.

Only flush bathroom tissue in the toilets. Other items, such as sanitary products or paper towels, should be disposed elsewhere.

Always remember to consult with your independent insurance agent on any coverage or policy concerns you may have.