Breezing through the doors of your new sixth floor condo you hear a dripping sound and spot a horrifying wet stain on the ceiling. Yikes, it’s leaking onto your new leather couch! You’re 20 meters above the nearest storm drain, how could sewer back-up insurance possibly cover your losses?
When it comes to sewer back-up situations, most property owners think of the black sludge that covers a basement after a sump pump is outrun by a severe rainstorm. However, even if your home is nowhere near ground level, sewer back-up insurance can cover your costs if escaping water damages your property. Without such protection, you could find yourself in a mess – both literally and financially!
Sewer back-up insurance typically covers you for losses or damage caused by water that has accidentally escaped from a sewer, drain, storm drain, sump, septic tank, eavestrough or downspout. Many property insurance policies limit or exclude coverage for these types of losses.
Whether you own or rent your home, adding a sewer back-up endorsement to your property policy can cover the cost of damages and clean up after this type of disaster.
3 simple steps you can take to help avoid water damage losses
✓ Place downspouts on the outside of your home;
✓ Install window wells on basement windows;
✓ Check to make sure your sump pump is in working order.