Is a Sewage Backup Covered By Homeowner’s Insurance?

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April is one of the most common months for flooding in Pennsylvania, as rivers and lakes overflow after the arrival of spring rains. Excessive water can enter your sewer system, causing sewage to make its way through your drains and overflow into your home. Sewage backups can be expensive to repair and can create a multitude of in-home health hazards. But if you do need a sewage line system repair or a septic replacement in Montgomery County, can you count on your homeowner’s insurance to cover the bill?

Most homeowner’s insurance policies don’t include coverage for sewage backup or septic system overflows unless explicitly stated in your homeowner’s policy terms. However, most homeowner’s insurance policies offer the option to purchase a “rider” for sewage backup coverage.

A rider is a type of homeowner’s policy addition that extends your coverage to include more situations and perils than a standard policy. You can buy a rider to extend your coverage to replacement costs for some expensive valuables (many people buy riders to cover the full cost to replace jewelry, musical instruments, or collectibles). You can buy a rider to include coverage for other types of damage as well.

Most insurance providers offer optional riders for sewage backup coverage. Depending on your insurance company and your risk level, you can expect to pay between $5 and $15 extra per month for sewage backup coverage. You might also need to choose a separate deductible for sewer backup damage that’s unique from your homeowner’s insurance deductible.

You’ll want to call for a repair as soon as possible after you notice backup in your home to prevent permanent damage or health issues. Whether you need sewer backup repair, a full septic replacement, or drain cleaning in Montgomery County, you can count on Delaware Valley Septic, Sewer, & Storm in your time of need. Give our team a call today at 610-947-4800 to learn more or schedule your appointment for service.