Do You Carry Sewer Backup on Your Homeowners Insurance?

Do You Carry Sewer Backup on Your Homeowners Insurance?

Spring showers and related flooding can overburden Oklahoma sewer systems, causing raw sewage to back up into the drains in your home. Backed up sewers can wreak havoc, causing thousands of dollars in damage to floors, walls, furniture and electrical system

For homes that have been severely damaged and are uninhabitable, Oklahoma homeowners policies may provide Loss of Use coverage, which provides reimbursement for lodging, food and other living expenses you may incur as a result of having to live outside of your home. Loss of Use coverage also reimburses you for the lost rental income if you rent out part of the house.

Some Causes of Sewer Backup may include:

  • Aging Sewer Systems
  • Combined Pipelines
  • Blockages Due to Tree Roots
  • Sanitary Main
  • Water in Basement

Some Prevention tips include:

  • Dispose of Grease Properly
  • Dispose of Paper Products Properly
  • Replace Your Line with New Plastic Pipe
  • Correct Illegal Plumbing Connections

At All American Insurance, we can evaluate your current Oklahoma homeowners policy to make sure you are properly coverage in the event of any sewer backup damage.

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