Insuring Losses from Sewer and Drain Backup

Insuring Losses from Sewer and Drain BackupIt may not be the most pleasant topic to think about, but it is one that unfortunately can occur: sewer and drain backup. The damage from these events is twofold: in addition to causing physical water damage, the often dirty sewer water can have adverse impacts on homeowners’ health. What’s more, they’re on the rise. According to the Civil Engineering Research Foundation, the frequency of sewer backup incidents is increasing at a rate of 3 percent per year.

This is a deceptively simple concern. However, insuring sewer and drain backup incidents is far more complex than one might expect, and we’re here to tell you what your clients need to know.

Root Causes of Backup

As with any accident, it’s always beneficial to know what causes sewer and drain backup claims. These are the most common causes of sewer backup:

  • Tree root blockages – As trees require water to live, it is not uncommon for tree and other plant roots to move into cracks in sewer lines, and damage or block the pipes when they grow larger.
  • Aging sewer systems – With the nation’s sewer lines being an average of over thirty years old, many systems require updates and repairs. This combined with an increase in the number of homes leads to backups.
  • City pipeline issues – If the city sanitary main is blocked or has combined or other issues with their pipeline, it can cause water to back up through pipes and into homes.
  • Home drainage backup – Gutter systems and rainwater pipes that are blocked with debris or hit with a sudden water flow can induce backup into the home.

Home and commercial property owners can reduce their risk of blockage by properly disposing of grease and paper products, maintaining their trees and plants, keeping their pipelines up-to-date, only using legal plumbing connections, and utilizing a backwater prevention valve.

Backups and Homeowners Insurance

Many homeowners think that these issues would easily fall under their homeowners insurance policy. They occur in the home, and cause damage in the home. However, most standard homeowners policies do not automatically include sewer backup coverage. It can be easily added as an additional coverage, but many customers assume that they will automatically covered.

About Mavon Insurance

At Mavon Insurance, we pride ourselves on our unique approach to insurance. We focus on integrity, communication, professionalism, respect and gratitude to help our clients succeed and place business in specialized markets. For more information about our products, or to become an agent, contact us today at (877) 426-2866.