For many homeowners, understanding the nuances of their insurance policy doesn’t become a priority until unexpected damage occurs. One often overlooked aspect is the risk of sewer backup, which can lead to significant damage and financial loss. Today, we’re highlighting the importance of adding sewer backup coverage to your homeowners’ policy, ensuring you’re protected against this potential hazard.
Understanding Sewer Backup Risks
Sewer backups can happen due to various reasons, such as heavy rainfall overwhelming the sewer system or tree roots obstructing the pipes. This can result in water and sewage flowing back into your home, causing damage to your property and possessions. The responsibility for the maintenance of the pipes up to the main sewer line lies with the homeowner, making it essential to have adequate coverage for such incidents.
The Financial Impact of Sewer Backups
The cost of repairing damage from a sewer backup can be more than most homeowners anticipate. With potential damages in the tens of thousands, the financial impact can be significant. Sewer backup insurance coverage can mitigate these costs, covering water damage, personal property loss, and the expenses of professional cleanup and restoration.
Why Consider Sewer Backup Coverage?
- Specific Coverage: Standard homeowners policies typically do not cover sewer backup without an additional endorsement.
- Cost-Effective Protection: Compared to the potential out-of-pocket expenses for cleanup and repair, sewer backup insurance is an affordable and sensible addition.
- Comprehensive Support: Beyond just the cleanup costs, this coverage supports the repair or replacement of damaged property and possessions.
Adding sewer backup coverage to your homeowners’ insurance provides an extra layer of security, protecting you from unexpected and costly damages. At Wedgwood Insurance, we’re committed to helping you understand all aspects of your policy and ensuring you have the comprehensive protection you need. Don’t wait for disaster to strike to find out you’re not covered; let’s talk about how you can secure your home against sewer backups today.
About Wedgwood Insurance
Wedgwood Insurance has offices in St. John’s & Corner Brook and is Newfoundland & Labrador’s largest independent insurance broker. We provide straightforward home, auto & business insurance advice.
With over 255 Google My Business reviews, experience the Wedgwood difference with expert advice from our dedicated team. We ensure that every client has the coverage that best suits their needs through upfront complimentary consultations and midterm reviews.