Is my Sewage Back up covered under my Homeowners Insurance?
If you experience a sewage back up into your home from a blocked drain line or septic tank will your homeowners policy cover the clean up and resulting damage? The answer is, no, if you do not have a sewage rider. A rider is additional coverage for an event not typically covered in your homeowner’s policy. Sewage back up is one of the situations that is not covered in your basic homeowners policy. That means you need to have a specific conversation concerning your coverage for this type of event with your agent. Because of the risks involved in handling and treating raw sewage the cost of the cleanup tends to run higher than a typical water damage. Items that can typically be cleaned and dried in a normal water damage (not sewage related) must be removed and disposed of when contaminated by sewage. All homeowners in the Advance and Bermuda Run area need a sewage rider added to their coverage to ensure they are protected from a particularly costly and potentially dangerous event. Have a conversation with your agent today to address your exposure to a sewage loss as well as other items that are not covered in a typical homeowners policy. See our earlier bog post concerning things not typically covered by homeowners insurance. Call SERVPRO of Davie and Yadkin Counties, 1 336 677 1415 to assist with your water damage needs.