Are You Prepared with Sewage Backup Insurance?
If your sewage pipe breaks or collapses, you may be surprised at how little your normal home insurance covers. Our goal is to help you understand that your standard policies are not going to include unique and unforeseen circumstances such as sewage backup insurance.
We found this video from the Honest Carpenter that you might enjoy talking about the subject:
Do you need to worry about a Sewage Backup?
This is an issue no one wants to deal with but when it happens, you will have way less of a headache to deal with if you know it is covered. A sewage pipe insurance is an excellent way to provide protection in the event of blockage or blockage of the drain. It can help cover management issues that are excluded from home contents insurance.
How does a Sewage Backup happen?
Just like the pipes in your house, your main sewer line can become clogged. A common cause of sewage retention is caused by flushing objects that should not be flushed. Paper towels are particularly harmful when flushed because they accumulate in the pipes. Edible oil is even worse because it can clump and clog up in the pipe. The three top causes:
Clog
Tree roots
Broken sewer lines
Why do you need Sewage Backup Insurance?
These issues can cause thousands of dollars worth of damage to floors, walls, furniture and electrical systems. Many people assume that the sewage protection (swamp and pump overflow) is covered by their homeowners or their insurance company.
What yo expect from Sewage Backup Insurance?
The insurance covers professional cleaning and replacement of furniture and carpets damaged by backups. The costs for the repair or replacement of pipes are covered by the sewage insurance.
Considerations
In flood-prone areas, it is important to have flood insurance and sewage retention insurance. Think, for example, of your basement and its area, which is most likely to be flooded in the event of a backlog of water.
Heavy rains can cause streams to swell and flood your home. The Insurance Information Institute cites studies suggesting that sewage protection, also known as water protection, is becoming more common.
Protect Yourself
Be prepared for the unexpected. Get a free quote or compare policies by speaking with one of our insurance consultants. It’s our job to seek out the best coverage from the best providers so we can guarantee you’re paying the best price every year.
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