Do You Carry Sewer Backup on Your Homeowners Insurance?

April showers bring May flowers!  While we all love this time of year, we must keep in mind that these beautiful showers and related flooding often overwhelm California sewer systems causing raw sewage (yuck!)  to back up into the drains in your home, condo or apartment!   Backed up sewers can create chaos, causing thousands of dollars in damage to floors, walls, furniture, family heirlooms and even electrical systems.

For those unfortunate cases where homes have been severely damaged and are uninhabitable, California homeowners policies may provide Loss of Use coverage.  This coverage distributes reimbursement for food, lodging and other living expenses you may incur as a result of having to live temporarily away from home. If you happen to rent a part of your house out the Loss of Use coverage will often reimburse you for the loss of rental income.

Some Causes of Sewer Backup may include:

  • Aging Sewer Systems
  • Combined Pipelines
  • Tree Roots Growing into pipes
  • Sanitary Main
  • Water in Basement
  • Clogging

Some Prevention tips include:

  • Never Pour Grease Down Drains
  • Dispose of Paper Products Properly
  • Replace Your Line with New Plastic Pipe
  • Correct Illegal Plumbing Connections
  • Keep an eye on large trees growing on your property

At American Tri-Star Insurance, we can evaluate your current California homeowners policy to make sure you are protected in the event of any sewer backup damage.  Give us a call today at 800-249-7875.