What is Sewer Backup Coverage?
Sewer backup coverage is an important addition to your homeowners or business insurance policy that protects against the financial consequences of sewage backing up into your property. This type of coverage is especially crucial in Connecticut, where heavy rainfall, flooding, and sewer system failures can lead to significant water damage and health hazards.
Why is Sewer Backup Coverage Important?
Flooding is not the only cause of extensive water damage to homes and businesses. During severe weather events or due to issues with septic or sewer systems, sanitary sewer lines can back up, allowing sewage to enter your home or commercial space through drain pipes. The aftermath of such an event can be devastating, causing not only property damage that is difficult and expensive to repair but also creating health risks for occupants.
Most standard homeowners and commercial insurance policies exclude sewer backup coverage unless it is specifically added as an endorsement. The cost of this rider is typically minimal compared to the potential financial burden of a sewer backup incident.
Who is Responsible for Maintenance?
As a homeowner or business owner, you are responsible for maintaining the sewer lateral—the pipeline that connects your property to the city’s sanitary sewer main. This includes any portion that extends into the street or public right-of-way. Cracks or deterioration in the lateral can allow groundwater to enter the system, increasing the risk of a backup.
Common Causes of Sewer Backups
Tree Roots: Roots from trees and shrubs can invade sewer line cracks, leading to blockages. Over time, roots can grow larger and cause significant damage.
City Sanitary Main Blockages: A blockage in the city’s sanitary main can lead to sewage backing up into your property through floor drains. If you notice sewage entering your basement rapidly, contact your local public works office immediately.
Water Accumulation in Basements: Many cases of basement flooding are not related to the sanitary sewer system but are instead caused by poor drainage around the building. Homeowners should ensure that water drains away from the foundation to prevent flooding.
Preventing Sewer Backups
Proper Grease Disposal: Avoid pouring cooking oil and grease down the drain. Allow grease to solidify in a container before disposal.
Dispose of Paper Products Wisely: Items like paper towels, diapers, and feminine products can clog sewer lines. Dispose of these items in the trash.
Upgrade to Plastic Pipes: Replacing old pipes with new plastic ones can help prevent tree roots from entering your sewer line.
Avoid Illegal Connections: Do not connect French drains or sump pumps to your sanitary sewer system. This can lead to clogging and is against the law.
Install a Backwater Prevention Valve: A backwater valve can prevent sewage from flowing back into your property. Ensure proper installation and maintenance.
What to Do If You Experience a Sewer Backup
If a sewer backup occurs, prompt action is essential to minimize damage and health risks. Here are steps to take:
Remove Spillage: Use a wet vacuum to clean up sewage and water.
Disinfect Affected Areas: Mop floors and wipe walls with soap and disinfectant to eliminate pathogens.
Clean Plumbing Fixtures: Flush out and disinfect sinks, toilets, and other fixtures.
Address Wet Carpets and Drapes: Steam clean or remove any saturated carpets or drapes.
Repair Damage: Assess and repair or remove damaged wallboard or other materials.
By understanding and investing in sewer backup coverage, you can protect your home or business from the unforeseen challenges posed by sewage backups. For personalized assistance, contact us to discuss your options and get a quote.
Important Links
- Insurance Information Institute – Water Backup Coverage
- FloodSmart – National Flood Insurance Program
For more information or to get a quote, feel free to reach out!