Does My Homeowners Insurance Cover a Sewer Backup?

Homeowner’s insurance policies are designed to cover you and your home for most damage, including water damage. Water damage is covered when it is sudden and accidental; however, some damage to the house can be caused by a sewer backup. Luckily, sewer backups are considered sudden and unexpected, meaning the damage caused by the blockage is covered by your homeowner’s insurance. 

If you live in Plano, TX and wonder if your policy covers sewer backups, call the Paragon Independent Insurance Agency experts. 

Does Homeowners Insurance Cover a Sewer Backup? 

Your homeowner’s insurance policy should cover a sewer backup if you had specific sewer backup coverage included as an endorsement within the policy. This insurance coverage pays for damages associated with sump pump failures, tree roots, pipelines, and other causes related to a sewer backup. 

Top Causes of Sewer Backups

Many things can cause your sewer to back up, and when it happens, it can create a mess and damage your personal property. Some top causes for sewer backups include: 

  • Sump Pump Failures: This is the leading cause of sewer backups because the sump pump is responsible for removing and disposing of water, preventing your basement from flooding. 
  • Outdated Sewer Systems: When sewer systems get old and obsolete (40 years or older) can cause the sewer system to fail, crumble, or fall apart, causing a backup in your home. 
  • City Pipelines: Sometimes, city pipelines get flooded and backed up during storms. Additionally, city sanitary blockages can cause a backup if not detected and fixed in time. 
  • Tree Root Blockage: Tree roots are powerful and determined to get to a water source. Sometimes the roots penetrate sewer systems, which can cause a backup. 

It is very affordable to add sewer backup coverage to your homeowner’s policy in Plano, TX. Call the Paragon Independent Insurance Agency experts for more information about this additional coverage for homeowners insurance policies.